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Bank Insiders Broke The News: Credit Card Without Password Is Actually Safer.

2012/2/23 12:46:00 16

Netizens even listed some domestic cases to support their own views.

When a card is stolen or stolen, the court is inclined to take full responsibility for the card holder's consumption when it is consumed by the password. On the basis of the fact that the card holder fails to keep the card properly, the card holder will bear the loss of 10%-50%, and the remaining losses will be borne by the businessman, depending on the contents of the business, such as the signature is not in conformity with the card, and the gender is not consistent.

business

The more mistakes we make, the less losses the cardholders will bear.

A card holder who is stolen by a clone card is a consumer who uses a password to consume or consume by signature, and the card holder can not prove that it is a clone card. The court tends to charge the cardholder to take full responsibility. The signature card consumption and the card holder can prove that it is a clone card. For example, a cardholder's mobile phone immediately goes to the supermarket after receiving the text message, and keeps the consumption certificate as the evidence of the court, because the fraudulent use occurs in the field.

consumption

The bank completely lost the reason for pleading, and the court would take full responsibility for the bank.

Only pay no password.

user

In order to protect credit card's credit card security, most banks provide loss guarantee service.

If the card is lost, the cardholder applies for reporting loss to the bank at the first time, and the bank makes compensation for the loss caused by the credit card stolen by the cardholder within a certain time before the loss of the card.

At present, the loss guarantee provided by the bank is mostly 48 hours, that is to say, the bank makes compensation for the loss caused by the stolen credit card within 48 hours before the loss of the cardholder.

However, people's Bank of China Credit Card Center reminded that the loss protection provided by banks was mostly aimed at credit card customers who did not set up paction passwords and only signed pactions with their clients.

Local credit card center sources told reporters that the central bank promulgated the "

Bank

In the card management Ordinance, it is clearly required that the receiving merchants bear the responsibility of checking the signature of the credit card.

"Credit cards are stolen or stolen, but they are easy to be brushed. However, there is no password leakage because they do not need to enter the password.

At the same time, because it is not my signature, when writing a responsibility, handwriting experts can easily tell the true and false. After confirming that it is not my signature, the responsibility is pferred to the merchant who swiped the card.

Businesses will bear certain losses, and individuals do not need to take responsibility.

Transactions conducted with passwords are regarded as cardholders themselves.

Because banks can not identify whether the credit card is stolen or moral hazard, and the level of confidentiality of password based consumer pactions is much higher than that of signature consumption alone.

For the latter paction mode, because there is no need to enter a password, there is no password leak.

Some netizens said that they had solicited opinions on whether the credit card was password or not. The lawyer said that the cardholder did not have a password, so long as the consumer voucher was not signed by the cardholder and there was no serious fault, the cardholder did not need to be responsible for the theft.

Banks want to set up passwords because they can pass on the risk that should be borne by the bank to the users.

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Multiple protection, safety and security

Whether or not to use a credit card should have a password? In a random survey of 15 cardholders, the positive and negative views accounted for half.

Some cardholders in overseas pactions told reporters that the VISA and MASTER passwords were not needed to lose the password, but only signed pactions.

Some foreign POS machines never lose their passwords.

Some consumers agree with the setting of the credit card.

Password and signature double protection, of course, will be more secure.

Stolen brush is still a small probability event, and the claim procedure to the bank will be more complicated. Why not protect the card safely?

Bank professionals remind that the domestic credit card environment is not very mature. The cardholder who trades with the password must pay attention to using the hand to cover up the cipher when using the card, so as to prevent the password from being leaked.

And the cardholders who use no password credit cards should also carry out multiple protection, such as SMS alerts, paction amount limits, and so on, and select some banks with loss card protection and abnormal paction monitoring.

After you get the new card, you must sign your name on the back of the card, and the handwriting is the best feature. It's not easy for others to imitate it.

This can effectively avoid risks.