China merchants bank credit card with a years to know the password "was largely invisible"

 

origin

 

With a year of China merchants bank credit card in recent consumption just detection, has been lost password "was largely invisible," his card doesn't need a password.

 

question

 

Cardholder don't understand: activated clearly has set a password, how to trade, no? My credit card is lost, and that is not who can brush?

 

statement

 

China merchants bank credit card service personnel interpretation: probably in active credit card, ignore the trade password Settings, no open "consumption by close function", so in credit card transactions, not with password confirmation consumption.

 

consumers

 

Lost a year of password is "dummy"

 

In December 2011, citizens ms. Huang in China merchants bank staff at the recommendation of the applied for a credit card, and when activated by telephone set the password.

 

Surprising is that this year January 8, miss huang to drum tower Antaeus center a clothing store shopping, cost 185 yuan. The clerk in charge, and didn't want to let the ms. Huang password, you can hit transaction slip.

 

Ask the clerk, ms. Huang this found that, with more than a year of credit card, it is not the password can trade. This need not password, you can charge "successful" deal, let ms. Huang think the consequences will be severe.

 

She said, fortunately found early, or their forgetful, one thousand lost credit card, being stolen brush, whether all have to pay? Then she hurriedly call China merchants bank credit card customer service telephone, set up charge trade password.

 

Ms. Huang experience, not the case. Reporter in the interview acknowledge that people miss zou is China merchants bank credit card customers, her through the China merchants bank customer service call that, China merchants bank credit card is not the password can trade. Originally set password is only inquires the password, not to be used for trading.

 

Journalists to investigate

 

Inquires the password indicates a trade password

 

At the beginning when activated password, why "was largely invisible"?

 

China merchants bank credit card service personnel to reporters said, like ms. Huang and miss zou this situation, probably because no open "consumption by close function".

 

According to introducing, credit card password is divided into inquires the password and trade password two. Inquires the password can inquires their credit card billing, trade password is used to in the consumer in the confirmation. Cardholder can according to the personal consumption habits, choose "by signature" transactions, or set up trade password, consumption in secret.

 

"Some cardholder think you set your password, but they set is inquires the password, not trade password. Then in charge, literally input 6 digits can consumption, or just by signature, no password protection role." The personage inside course of study revealed.

 

No password protection, KaRe lost or stolen brush?

 

China merchants bank credit card service personnel to tell a reporter, if consumer credit card choice "signature" means to confirm the transaction, there is lost, stolen brush, merchants did not carefully confirm the cardholder's signature on the spot and on the back of the card that the signature is consistent, then by businessmen assume responsibility, and has nothing to do with consumers.

 

Suggestions

 

"Consumption by secret" or more safety

 

However, although in theory the credit card stolen brush after signature discrepancy, the cardholder can apply for adjustable single protest. But in fact, the cardholder burden and obtain safeguard difficulties are many, do not like to imagine in protest to be easy.

 

Therefore, the industry experts suggest citizens open CARDS or "how to stay in mind".

 

"Password validation is credit card safety management is very important in a validation tool, in the same circumstances have password card must be better than WuMiMa card security. Unionpay fujian branch department related person in charge ZhangHongXiang told reporters, "consumption by secret" may be more security, at the same time open the card also had better open account change SMS alert service, in the first time know account changes.

 

Fuzhou a joint-stock bank credit card center customer manager HeXiaoJie warn that citizens get credit card after activation, should to the personnel of the service consulting password problem, distinguish trade password and inquires the password, and according to clew separately set. "Once the credit card is missing, the first time report the loss of STH, it not only can reduce the risk of stolen brush, but also related to the stolen brush can win compensation."

 

Micro bo all

 

Net friend "masterly 93553" :

 

Bank card in the why not one-time tell users? Your password is "inquires the password" please to have a "consumption password", general can have several people know to set up two password? Once stolen brush should be from the credit card company only reasonable compensation.

 

Net friend "yong not against 523207" :

 

In taobao payment have message prompt input check code, mobile query also has, why can't the Banks have? If the card master every time consumption have message prompt for a code, then "robber" can still succeed?