What is the daily limit for UnionPay’s small-amount password-free and visa-free transactions? Summary of limits of 6 commercial banks

Although the small-amount password-free and visa-free service is convenient for payment, it also has certain risks. For this reason, many banks have set single-day transaction limits. However, each bank has different limits. We have previously introduced the single-day limits of five state-owned banks for small amounts without passwords and visas. Here we will introduce the limits for small amounts without passwords and visas for six commercial banks.

1. China Merchants Bank

The cumulative daily amount of debit cards for small amounts without passwords and signatures is 2,000 yuan, and the cumulative daily amount for credit cards for small amounts without passwords and signatures is 3,000 yuan.

If you don’t want to use this service, the cardholder can turn off the small amount password-free service by calling the customer service hotline (debit card service hotline 95555, credit card service hotline 400-820-5555), the business hall counter, etc. Visa-free function.

2. Industrial Bank

The limits of debit cards and credit cards are the same, and the cumulative daily amount of small amounts without password and signature is both 3,000 yuan.

If you do not want to use this service, debit card holders can turn it off through the Industrial Bank mobile banking APP, call the customer service hotline 95561, or at the business hall counter; credit card holders can turn off the service by calling the customer service hotline. 95561 close this.

3. Minsheng Bank

The default daily accumulated amount of debit card for small amounts without password and signature is 1,000 yuan (inclusive), but the cardholder can adjust the limit by himself, the maximum limit is not Exceeding 3,000 yuan (inclusive); the cumulative daily credit card amount for small amounts without password and signature is defaulted to 5,000 yuan (inclusive).

If you do not need this service, debit card holders can close it by dialing the customer service hotline 95568, mobile banking APP, online banking, etc.; credit card holders can close it by dialing the credit card customer service hotline 4006695568, National Life APP etc. to close.

4. China Guangfa Bank

The debit card and credit card limits are the same, and the daily cumulative amount of small amounts without password and signature is both 3,000 yuan.

If the cardholder does not want to use this service, the cardholder can turn it off by calling our bank’s customer service hotline 4008308003 or at the business hall counter.

5. China CITIC Bank

The accumulated daily amount of credit card for small amounts without password and signature is 3,000 yuan. If the amount exceeds this amount, the transaction will fail.

If the service is not needed, the cardholder can close it by calling the credit card customer service hotline (40088-95558), Dongka Space APP and other channels.

6. China Everbright Bank

The cumulative daily amount of small amounts without password and signature is 3,000 yuan. If the amount exceeds this amount, the transaction will fail.

If the service is not needed, the cardholder can close it by calling the customer service hotline 95595, business outlets, mobile banking APP, Sunshine Hui Life APP and other channels.

Is the UnionPay QuickPass password-free limit increased to 1,000 yuan? Are you still in the dark?

In order to provide cardholders with a faster and more convenient transaction experience, China UnionPay credit cards are equipped with the Quick Pass logo, allowing cardholders to "pay with one swipe." , did you know that the password-free limit for UnionPay Card QuickPass has been increased to 1,000 yuan? For the safety of your credit card, would you choose to turn off the Quick Pass function?

An earlier UnionPay announcement showed that starting from June 1, 2018, China UnionPay will work with various member institutions to optimize the "small amount no-password-free" function. By then, UnionPay chip debit cards will , the credit card's small-amount password-free and signature-free single transaction limit will be increased from 300 yuan to 1,000 yuan.

The specific plans of different banks in response to adjusting the double-free Quick Pass limit are as follows:

1. Bank of Communications: single limit is 1,000 yuan, daily cumulative limit is 1,000 yuan, implementation date is 2018 February 4, 2018;

2. Guangfa Bank: single limit is 1,000 yuan, daily cumulative limit is 3,000 yuan, implementation date is March 15, 2018;

3. CITIC Bank: Single transaction limit is 1,000 yuan, daily cumulative limit is 1,000 yuan, implementation date is May 1, 2018;

4. China Merchants Bank: Single transaction limit is 1,000 yuan, daily cumulative limit is 2,000 yuan, implementation date is May 2, 2018;

5. Bank of China: single limit is 1,000 yuan, daily cumulative limit is 3,000 yuan, implementation date is May 31, 2018;

6 , Postal Savings Bank: single transaction limit is 1,000 yuan, daily cumulative limit is 1,000 yuan, implementation date is May 31, 2018;

7. China Construction Bank: single transaction limit is 1,000 yuan, daily cumulative limit is 3,000 yuan , the implementation date is June 1, 2018;

8. Agricultural Bank of China: The single limit is 1,000 yuan, the daily cumulative limit is 3,000 yuan, the implementation date is June 1, 2018.

The "Small-amount password-free and signature-free" and "Quick Pass" functions of most bank credit cards are enabled by default. If the credit card is lost and falls into the hands of others, it can easily be stolen. For the safety of credit card use, it is recommended to turn off the quick pass function and password-free payment function.

Credit card password-free limit

In order to allow cardholders to experience the convenience of fast payment, UnionPay has set up a small-amount password-free payment function for various bank cards. As long as a single transaction Transactions can be completed within a certain amount without entering a password.

It is understood that the small password-free limit refers to the single transaction limit. As long as your credit card has the word Quick Pass, this function will be enabled by default.

Starting from June 1, 2018, UnionPay has raised the single transaction limit for small amounts without password from 300 yuan to 1,000 yuan. As long as you swipe your QuickPass credit card on the QuickPass POS, a single transaction Payments under 1,000 yuan can be made without password.

In addition, bind a credit card to WeChat and Alipay, and then present the QR code when paying for the merchant to scan the code with a QR code gun for transactions. A single transaction of less than 1,000 yuan can also be paid without a password.

However, the small amount without password only has a single transaction limit and no monthly limit. However, different banks have set limits for credit card quick payment. For example, Alipay credit card quick payment has not only a single transaction limit, a single day limit, There is also a monthly limit.

The following are the credit card Alipay fast payment limits of common banks:

1. Industrial and Commercial Bank of China: 10,000 for a single transaction, 100,000 for a single day, and 100,000 for a single month;

2. Agricultural Bank of China: RMB 20,000 per transaction, RMB 20,000 per day, and RMB 200,000 per month;

3. China Construction Bank: RMB 50,000 per transaction, RMB 50,000 per day, and RMB 100,000 per month. . 4. Ping An Bank: 50,000 for a single transaction, 50,000 for a single day, and no limit for a single month; credit card payment without password is convenient, but there are great risks. If your credit card is accidentally lost, it may be swiped. Since password-free payment for small purchases does not require the use of a password, if this function is not necessary, it is best to cancel it.

What is the payment limit for credit cards without password

From June 1, 2018, the single limit of "small amount without password and signature" for UnionPay chip debit cards and credit cards will be 300 Yuan increased to 1,000 Yuan. Moreover, if your debit card or credit card has a Quick Pass function, that is, a UnionPay chip or mobile payment device, you can pay instantly when making contactless transactions of 1,000 yuan or less, without the need for a password or signature at all. .

For cardholders who are not sure about this function, don’t worry. There is no compulsion to use this function. You can choose to turn it off. This function can be turned off through bank business hall counters, telephone banking, and mobile phone channels. If you regret it after turning it off, you can still turn it back on through these places.

You can also swipe your card to make purchases without entering your password! Learn about password-free payment with credit cards

Password-free payment with credit card, also called password-free face-to-face signature for small amounts, allows cardholders to enjoy a very fast payment experience. For example, your credit card is a flash card that is enabled for password-free payment. To pay with a card, you can pay by swiping the card at a POS machine with the QuickPass logo without entering a password.

So, is this payment method any good? Are there any hidden dangers? Let’s introduce to you the relevant content of credit card password-free payment.

What is credit card password-free payment?

Credit card password-free payment is generally only for small-amount transactions, that is, the credit card's small-amount password-free face-to-face signature function. This is China UnionPay's solution for credit card holders. Fast payment services provided by people.

As long as your credit card has the QuickPass logo and the card amount is less than the password-free payment limit of the credit card, you can spend the card at the POS machine with the QuickPass logo without password or signature authentication. Complete the transaction.

What is the password-free payment limit for credit cards?

Previously, UnionPay’s debit and credit card small-amount password-free payments were limited to 300 yuan.

However, starting from June 1, 2018, UnionPay will increase the single limit of small-amount password-free and signature-free UnionPay chip debit cards and credit cards from 300 yuan to 1,000 yuan.

That is to say, your debit card or credit card has a Quick Pass function. Through contactless transactions, as long as the amount is less than 1,000 yuan, you can pay instantly without a password or signature.

Is credit card password-free payment safe?

Nowadays, many people have activated and used this function when making payments. Although the payment process is simple and convenient, it is also easy for consumers to make mistakes without knowing it. It was stolen in some cases. Therefore, there is still a lot of risk in payment, and it is recommended to close it here.

How to close credit card password-free payment

Credit card password-free payment can be closed through mobile banking, branch counters, or customer service calls. For example, the small-amount password-free payment of China Merchants Bank All-in-One Card can be closed like this:< /p>

Mobile Banking: Click "My" - "Bank Card" - "ATM, POS Settings" - "Small Amount No Password" to close.

Outlet counter: You need to bring your valid ID and credit card to apply for closure at any outlet counter of China Merchants Bank. Agents are not supported.

Manual call: Call the China Merchants Bank credit card customer service hotline directly, and the manual application will be transferred to close.

How much does it cost to get a small credit card without password? How to cancel small password-free payment?

With the popularity of credit cards, many people have experienced the convenience of no PIN for small amounts when using the card. However, some cardholders are worried that no PIN for small amounts will bring hidden dangers to their card security. Today I would like to introduce to you, how much does a credit card cost for a small amount without password? How to cancel small password-free payment?

How much does it cost for small amounts to be free of charge?

Friends who have used credit cards for a long time should know that credit cards with the UnionPay logo will have a quick pass function, which means that small amounts are free of charge. Secret payment. In the past, the single transaction limit for small amounts without passwords for credit cards was 300 yuan, but on June 1, 2018, China UnionPay and Commercial Bank increased the single limit for small amounts without passwords to 1,000 yuan.

How to cancel small-amount password-free payment

Cardholders can contact the card-issuing bank to cancel the small-amount password-free payment function through customer service phone or counter.

In order to protect the interests of credit card holders after activating the small-amount password-free function, UnionPay and commercial banks have set up special compensation for cardholders. ”) For small-amount password-free transactions, if the card is lost or stolen, the cardholder will be compensated for the amount of consumption misappropriated within 72 hours before reporting the loss.

The credit card is free of password for small amounts of 1,000 yuan. If the cardholder spends less than 1,000 yuan in a single transaction at a merchant with UnionPay QuickPass function, he or she can pay with a swipe of the card without password or signature.

That’s it for the introduction of credit card password-free limits.