What does the online payment function of China Merchants Bank’s credit card mean?
The function that allows payment through online shopping; the payment password used for domestic online payment (except quick payment) is the credit card inquiry password (if If you forget your password or the password is wrong, please reset it on the website before paying.) Some overseas website payments require you to enter a VISA or MASTER verification transaction code, which is usually your query password. Warm reminder: Whether you need to enter a password when paying depends on the website you are trading on; it is recommended to activate the online payment function in advance before paying online with a credit card. If you have multiple credit cards in your name, each credit card needs to activate the online payment function separately (professional version payment, quick payment and online payment on overseas websites do not need to activate the online payment function). There is no handling fee for the online payment function.
What are the functions of Shanghai Pudong Development Bank’s credit card online banking? Introduction to Shanghai Pudong Development Bank’s online banking functions
Pudong Development Bank’s credit card has the function of online banking. Cardholders in need can go to the Shanghai Pudong Development Bank business hall to apply. However, for many newcomers to Shanghai Pudong Development Bank credit cards, it seems that they are still not clear about the online banking functions of Shanghai Pudong Development Bank, so Kabaobao will explain the online banking functions of Shanghai Pudong Development Bank in detail.
What are the functions of Shanghai Pudong Development Bank Credit Card Online Banking?
1. Deposit Inquiry
Through Shanghai Pudong Development Bank Online Banking, you can check the accounts under your name such as Oriental Card, current one-way passbook, timely one-way passbook, certificate of deposit, treasury bonds, etc. Within, the real-time balance of each currency and each type of deposit (such as demand deposits, lump sum withdrawals, call deposits, and lump sum withdrawals). You can also check the transaction details of your current deposit account.
2. Deposit Management
Through Shanghai Pudong Development Bank Online Banking, you can conveniently manage your deposits according to your needs.
You can freely arrange your deposits among demand deposits, lump sum fixed deposits, foreign exchange financial structured deposits, and notice deposits. If you have multiple Oriental cards, Shanghai Pudong Development Bank current one-way passbooks, and fixed-term one-way passbooks, you can follow the above management methods to allocate deposit funds across cards.
In addition, you can also set "agreed period" rules for Oriental cards. Under the agreed rules, Pudong Development Bank Online Banking will automatically convert your current deposit into a time deposit with an agreed deposit period; and when your current account balance is less than the consumption amount, the agreed time deposit will be automatically released.
3. Loan Inquiry
Through Shanghai Pudong Development Bank, you can check the status of all unpaid loans you have applied for from Shanghai Pudong Development Bank, including principal balance and loan maturity. Date, repayment/account number, loan interest rate, mortgage loan repayment status in the past 6 months, payment schedule for the next year and other information.
4. Timely Word Service Management
Customers can apply for, modify, and stop the "Timely Word" service through our online banking.
5. Credit Card
Pudong Development Bank Online Banking also provides your Citibank Pudong Development Bank credit card information. You can check your credit card balance and initiate credit card transfer for repayment.
6. Report the loss of card discount
Once your Shanghai Pudong Development Bank account credentials such as Oriental Card, Fixed/Demand One-Purpose Pass, etc. are lost or stolen, you can report the loss at any time through Pudong Development Bank Online Banking , stop payments on lost or stolen accounts to minimize your losses. The loss report through online banking is a verbal loss report. It is recommended that you go to any Shanghai Pudong Development Bank branch to go through the formal loss report procedures within 5 days.
7. Simplified version management
If you do not need to use the simplified version of online banking, you can close your simplified version of online banking online. However, you must note that after the simplified version is closed, it can only be reopened after logging in as a personal online banking contract user.
8. Direct payment method management
The direct payment method refers to the method of payment with / discount number and transaction password when using the online shopping payment function of Shanghai Pudong Development Bank. It is simple and fast. characteristics. Our bank provides all individual customers with the operation of closing the online direct payment method through the simplified version of personal online banking. After the direct payment method is closed, it can only be reopened after logging in as a personal online banking contract user.
So the services of Shanghai Pudong Development Bank’s credit card online banking are still very comprehensive. You can try to log in to your Shanghai Pudong Development Bank credit card online banking account.
Can I pay online with a credit card?
Can I pay online with a credit card? To pay online by credit card, you need to open a credit card for quick payment. Add Alipay or WeChat to the credit card you want to purchase online, then activate quick payment, and you can pay online. In addition to quick credit card payment, you can also choose "log in to online banking to pay", select the credit card on the online banking side, fill in the relevant information and password as prompted, and then make the payment.
Online shopping is already a part of our lives, and many of us like to use credit cards to make purchases in advance. Can credit cards be used for online payment? Generally speaking, credit cards support online consumption. We can use the following two methods for shopping and consumption:
The first method is to activate quick payment, open Alipay, and then click on the bank on the right side of Alipay For card management, enter the validity period of your credit card and the bank's reserved mobile phone number. You can activate it after the mobile phone verification is passed. After the activation is successful, we can choose the products we need, directly choose credit card payment when paying, and then enter the credit card payment password. The second method is online banking payment: select a credit card on the online banking side, fill in the relevant information and password as prompted, and then you can make the payment.
When using credit cards for online shopping, we must pay attention to card security. It is best to design Taobao and Alipay login passwords with a high degree of confidentiality, set security questions and bind the mobile phone.
What does the credit card payment function mean?
Credit card is a non-cash transaction payment method. The cardholder can consume within the credit limit and then repay. The payment functions mainly include POS machine card swiping, telephone payment, online payment (quick payment), supreme and secretless payment, etc.
Benefits of credit cards:
You can enjoy a 20-56-day interest-free repayment period when using a credit card (you can enjoy a 50-56-day interest-free repayment period for purchases made on the second day of the statement date. It takes 56 days for Bank of Communications, 50 days for other banks, and 48 days for China Merchants Bank).
You can also redeem points for products, airline miles, etc. when using credit cards.
When using credit cards for consumption, there is no such thing as cross-bank or different places. It is the same across the country.
If you use a credit card to purchase air tickets, you can enjoy aviation accident insurance ranging from 2 million to 5 million.
Since credit card fraudsters only need to know the ID number, credit card number, and the last three digits (CVV2) of the credit card signature field to make online transactions, it is necessary to know how to use the card safely:
Credit cards not only allow cardless transactions, but also cardless and passwordless transactions (no need to enter a password). Because of this, cardholders are advised to protect the CVV code (commonly known as the "last three digits" or CV2) on the back of the credit card.
Cardless and secretless transactions (also called offline transactions)
Currently companies such as Kuaiqian provide a service: cardless and secretless transactions (also called offline transactions). Offline transactions are common in booking hotels, air tickets, or other online payments. The cardholder only needs to provide the credit card account number, validity period and the "last three digits" to complete the transaction. There is no need to provide a physical card and password to make purchases.
Most credit card fraud occurs on the POS machines provided by Kuaiqian Company. As long as you make purchases (booking hotels and air tickets) through the POS machines or websites provided by Kuaiqian Company, no input is required. password.
"Card transaction": The cardholder uses the credit card to swipe the card at POS terminals such as shopping malls and supermarkets, sign for authorization, and then complete the transaction.
Credit cards are originally introduced from abroad. According to international practice, there is generally no need to enter a password when making purchases with a credit card. In countries such as the United States, whether it is a "card transaction" or an "offline transaction", the transaction voucher is the cardholder's signature or the last three digits, so foreign cardholders have a strong awareness of the protection of the last three digits. Domestic banks will even recommend cardholders to set a password for their credit cards, but do not inform users in detail about the importance of the last three digits, but at the same time support offline cardless transactions with the last three digits.
It is recommended that cardholders should protect their card information and not give the card to others for use or review, to prevent the information from being recorded by criminals for offline transactions. When shopping in a mall, you should cover the credit code from being seen by people around you. You can cut a small piece of tape and stick the "last three codes" on it. Try to swipe the credit card at the counter to avoid leaving the credit card out of your sight. If you need to make online payments or other purchases, you can tear off the tape to find the "last three digits" without fear of others peeping. At the same time, you should keep credit card transaction receipts after consumption, and carefully compare credit card transaction receipts with monthly statements. If you find any abnormalities, you should promptly notify the bank.
The correct usage method is as follows:
Do not give the card to others for use or inspection.
You can cut a small piece of tape and stick the "last three codes" on it.
Usually try to swipe your card at the counter to avoid leaving your credit card out of your sight.
At the same time, you should keep the credit card transaction receipts after consumption, and carefully compare the credit card transaction receipts with the monthly statements. If you find any abnormalities, you should promptly notify the bank.
This is the end of the introduction to the online payment function of credit cards.