1. If the credit card is a non-flash payment card and a password is set, it cannot be swiped in China unless the password is cracked. However, some Haitao websites can consume even if they don't know the password as long as they know the credit card number, expiration date, security code and other information.

2. If the credit card is a flash payment card, although a password is set, the default small-amount secret-free and visa-free function is not turned off. If someone finds a lost card, they can also swipe it on the flash payment POS machine. If the single amount is lower than that of 1 yuan, they will skip the password and pay directly.

3. In order to ensure the safety of funds, once you find that your credit card is lost, you should immediately report the loss to the bank and reissue it.

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Loss reporting credit card:

1. You can report the loss by phone or bring a valid ID card to the counter outlet. Here, we suggest choosing the first method, which can save the time of going to the bank in person.

2. After reporting the loss, the credit card will be in the state of stopping payment, and it can not be consumed until the new card is activated. At the same time, the old card will be officially invalid, and the information such as the balance, account and limit of the old card will be loaded on the new card, and the password will be the same as the old card password. If you feel uneasy, you can modify it.

3. Finally, some credit cards can provide card loss protection services. If a credit card is lost and stolen by others, you can claim compensation from the insurance company for the losses incurred within the time specified in the card loss protection.

4. If someone picks up a credit card after it is dropped, it is very likely that it will be stolen. After all, the magnetic stripe/chip of the card contains information, and the card number is directly printed on the card surface, so some people will pass the card as their identity. In particular, credit cards with the function of small-sum confidential payment are more likely to be stolen. In order to avoid money damage, customers must contact the issuing bank to report the loss after discovering that their credit card is missing, and then reissue a new card (if the application for loss reporting is successful, the card will be locked, so naturally there is no need to worry about being stolen).

5. If the credit card is a flash payment card and a password is set, you can't swipe your card at home unless the password is cracked. However, some Haitao websites can consume as long as they know the information such as credit card number, expiration date and password, even if they don't know the password. If the credit card is a flash payment card, although the password is set, the default small-amount secret-free visa-free function is not turned off. If someone finds a lost card, they can also swipe it on the flash payment POS machine. If the single payment is below 1 yuan, they can skip the password and pay directly.