Recently, some readers told reporters that when they use credit card consumption, they can use the wrong password or even lose the password. The readers are very worried. In case the credit card is lost, it is not easy to be stolen. In this regard, the reporter conducted a visit.
Can you use the wrong password or password?
Mr. Xiao, who lives in the provincial capital's international city community, found that his previous credit card could be used normally even if he did not enter the password. The money was not lost. What is going on? Mr. Xiao introduced to the reporter: "I went to the store to buy things that day. I didn't enter the password when I swiped the credit card. After entering the amount, the clerk directly pressed the confirmation button. The transaction was completed. I was surprised at the time. I found this for the first time. In this case, the password I set does not have any effect. The most direct one is the money in my account, which can be brushed away by others at any time. I have no evidence that the transaction is not my brush."
Like Mr. Xiao, Ms. Wang also encountered a similar situation. A few days ago, she used a credit card to pay the bill after eating at the restaurant. She accidentally entered the wrong password. The POS machine did not prompt the error, so she spit out the order, and the waiter asked her. After signing, it indicates that the transaction has been successful. Ms. Wang took the credit card to a large supermarket. When she checked out, she deliberately entered the wrong password. The POS machine quickly started to make the order. The waiter did not have any doubts. After signing the confirmation on the receipt, the wrong password was entered. The transaction was completed "smoothly".
Do not mistake the query password as a transaction password when activating the card.
For the situation encountered by Mr. Xiao and Ms. Wang, the reporter visited the CITIC Bank Credit Card Shijiazhuang Sub-center. The staff told the reporter that there is a special reminder in the card activation voice operation. If the cardholder needs to use the password to spend, set up the transaction. After the password, you need to change the consumption mode to add a signature to the password. If you don't change it, the credit card defaults to the signature mode. For this reason, even if the cardholder has set a transaction password, the default mode is the signature mode without changing the consumption mode, and the card is not required to be swiped in this state.
The reporter then learned from a number of banks such as China Everbright Bank, Industrial Bank, and ICBC that in the credit card application or new card activation process, the consumption pattern will be changed according to the customer's choice. If the customer has no specific choice, the default will be only Signature mode. Manager Zhang of the Credit Card Department of Everbright Bank said that current credit cards generally provide several ways to swipe cards. Such as signature payment, password payment, or "password + signature" payment method. The method of signature payment is only set the inquiry password, and the signature is confirmed when the card is swiped; the password payment needs to be activated, and another transaction password is required. The cardholder may inadvertently open the function of “consumption and confidentiality†and mistake the set inquiry password as the transaction password. "And credit cards will have multiple types of passwords. When you activate your card, it is best to ask the staff for your details, and then set them according to your needs." Manager Zhang reminded that according to the domestic consumption habits, I suggest you choose the password plus signature mode. This will be safer.
Is it safer if you don’t have a password?
The reporter learned that the payment of the loss of card security services of many banks is limited to the way of signing transactions, such as China Merchants Bank, Everbright, etc. For the signature card without password, the stolen brush generated within 48 hours before the official credit card loss is reported. Apply to the bank for compensation. If the cardholder of Ping An Bank Credit Card chooses the “signature only†consumption method, it does not open the “consumption and confidentiality†function. The credit card consumption loss caused by the theft of the credit card within 72 hours before the loss report can also be applied for. The bank bears.
In this regard, people in the industry said that credit cards do not set a password, in case of loss, there will be a greater risk and the payment process is more troublesome. In addition, the reporter also learned that some banks have expanded the scope of the loss of card protection, covering the piracy of password transactions, and can also apply for compensation from the bank, but this "upgraded version" of the card loss protection business requires the cardholder to pay obtain.
In the reporter's investigation, many cardholders said that the credit card application form and card opening guide are professional terms, and their argumentation and implementation must have undergone a strict approval process, but it is difficult for ordinary customers to read one by one, and hope that the relevant terms are in operation. In the process, it is more humanized to avoid disputes.
Teach you credit card to prevent "stolen brush"
Manager Zhang of Everbright Bank Credit Card Department reminds everyone that it is best to separate the credit card and ID card, and not to set the password as their birthday or mobile phone number. Do not divulge personal information such as credit card number, expiration date and security code. When shopping in a physical store, you should pay attention to the number of times the cashier swipes the card. When entering the credit card password, it is best to cover it with your hand to prevent the password from being peeked. After each consumption, cardholders are advised to keep a small ticket to prevent them from being “cloned†by the criminals. At the same time, it is necessary to open a SMS notification service to ensure that you can keep track of changes in your credit card account funds.
"Once you find that your credit card has been stolen, the public should call the bank's customer service phone for loss reporting. If the card balance is not used in full, you can use the loss to freeze the remaining money. Stop paying will not cause more. Big loss." Manager Zhang said.
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