Many banks' etc credit cards have the function of small confidential payment by default. Although payment is convenient and fast, there are also some security risks. Many car owners forgot to pull out etc credit cards from OBU devices, and as a result, they were stolen by POS machines through the windshield. To be on the safe side, it is best to turn off the free payment of etc credit cards.

So, how to turn off etc credit card confidential payment?

The secret-free payment function of etc credit card is actually the secret-free visa-free service of UnionPay flash payment. After the card is verified successfully, it will be opened by default. As long as the credit card is close to the flash payment POS machine, you can complete the flash payment transaction of a certain amount or less (domestic single 1 000 yuan, overseas single 3000 yuan is subject to local restrictions), and you can complete the payment without password input and signature.

This looks convenient, but it is easy to be stolen. You can imagine that if someone approaches your etc credit card with a flash payment POS machine with a set transaction amount, they can steal the money in the credit without knowing it, without even thinking about it. Therefore, it is better to close etc credit card confidential payment as soon as possible.

As for how to close the confidential payment of etc credit card, there are usually four methods. Here, take the credit card of China Construction Bank as an example to introduce:

1. Mobile banking is closed: log in to mobile banking, and close it according to the prompts through the "Credit Card-Payment Management" menu.

2. Online banking is closed: click "Credit Card-Card Manager-Payment Management-Privacy-Free Settings" and close according to the prompt.

3. Turn off the phone: call the 24-hour service hotline of the issuing bank to transfer the manual service, and ask the customer service to help turn it off;

4. Counter closing: Bring my valid ID card and etc credit card, and go to a nearby bank outlet to ask the teller to help close it.

It should be noted that after etc credit card confidential payment is closed, it is no longer possible to use flash payment for transactions. Even if the merchant has opened the small secret visa-free service, the cardholder must insert the card or swipe the card, and then enter the transaction password before spending.