Construction Bank reminds: you need to pay attention to pre-authorization when there is no card transaction!

Nowadays, the "cardless transaction" of the credit card (that is, there is no need to have the card swiping behavior on the POS machine) has become more and more popular. The user only needs to input the credit card number, the expiration date, the CVV code and the like, so that the online payment can be completed easily and conveniently. Bankers and third-party payers have said that some potential card risks of “no card transactions” cannot be completely ruled out. Cardholders should pay attention to protecting credit card information while trading.

For many credit card holders, even if they have been using card for many years, they still lack a comprehensive understanding of the card, resulting in inadvertently creating a card vulnerability. Therefore, the construction bank buys professionals to remind cardholders that the security of the card needs to start from the details.

“No Card Payment” or “No Card and No Secret Payment” can be completed by simply providing the card number, expiration date and “last three yards” and ID card information. The so-called "last three yards" is the last three digits on the back of the credit card. In the payment process, if the merchant provides the "last three yards" to the bank, the bank will default to the merchant to obtain the cardholder authorization, thereby allowing the transaction. The importance of the last three yards is even less than the bank card password, which can be regarded as the "second password." The "last three yards" has a very important role to prevent your card from being cloned. If the criminals obtain credit card account information and copy the card, but do not copy the "last three code" information, even if the password is known, the withdrawal will be ATM machine refused.

In addition, pay attention to your "pre-authorization" when there is no card transaction. For example, many domestic airlines and booking websites do not need to enter a password for credit card payment. As long as the card number, expiration date, verification code and other information are provided to the website, the pre-authorization payment can be successfully performed. It should be noted that once the pre-authorization occurs, the funding freeze time is more than one month. Therefore, the cardholder either asks the merchant to cancel the pre-authorization when the transaction occurs, or pays with the same credit card, otherwise the funds may be swept away again within the time when the pre-authorization is still in effect. At the same time, the cardholder also needs to pay attention to check the statement in time to eliminate the repeated deduction.