Recently, many cardholders' credit cards have been stolen for no reason, but after investigation by the police, it was found that criminals used the small secret-free payment function of bank cards to induce disguised POS machines near wallets, and then stole them from a distance. It can be seen that credit card confidential payment is not necessarily safe. But the problem is that it is a fact that the credit card was stolen, so what about the loss of being stolen because of confidential payment? Who is responsible for this? As we all know, small confidential payment is a small fast payment service for UnionPay to enhance customer experience. As long as your credit card has the word flash payment, you can close it to the flash payment POS terminal. As long as the amount of a single transaction is below 1000 yuan, payment can be completed without entering a password, and this function is automatically turned on by default. According to the above-mentioned situation, the small-scale confidential payment of credit card is not as extremely safe as claimed by UnionPay, but there is a great risk of theft. However, if it is really because the small confidential credit card was stolen, then you should be clear about these things: 1. Although UnionPay has set compensation for the theft of small confidential credit cards, it can only pay 30,000 yuan at most, but this compensation is limited to the losses that occurred 72 hours before the loss was reported. Loss of more than 72 hours, no compensation; And if you want the bank to pay, you have to produce evidence to prove that the credit card was lost and stolen. 2. If your credit card was stolen for a long time before it was discovered, and it was not reported in time, then you are likely to be responsible for the loss, and the loss will be great. In particular, criminals spend 1000 yuan every day, and it will take several days for you to find out. Even if it was reported later, it was still a big loss. 3. Bank payment does not necessarily mean that there will be no loss, because the compensation amount is limited. If the actual amount of stolen brush is more than 30 thousand yuan, then the extra amount of stolen brush after deducting compensation may also be your responsibility. Therefore, if you are worried about the small confidentiality of credit cards and the theft of credit cards, it is recommended to apply to the issuing bank for closing the small confidentiality.