Bank of Communications Debit Card Pre-authorization? Introduction to experts!

This is probably because your credit card doesn't have a transaction password at the beginning, or it is set to be signed only for consumption, so no matter what six digits you enter when you spend, you can successfully verify it. You can call the customer service hotline of the credit card center and ask someone to help you check the consumption pattern, whether it is based on signature plus password or signature.

Sorry, I didn't see it clearly.

Debit cards can also be explained. First of all, you have to understand the operation process of pre-authorization. Generally speaking, pre-authorization will freeze the funds on your card 1 15% of the consumption amount. For example, if you spend 100 yuan, it will freeze 1 15 yuan, but the money is only frozen, not really deducted. For example, if you have a card, it is 1 15 yuan. Check the bank card after freezing, and it shows: book balance 1 15, available balance 0.

Then when you check out, the merchant has two choices, one is to cancel the pre-authorization and the other is to complete the pre-authorization.

If the pre-authorization is revoked, it is equivalent to directly unfreezing the frozen funds, and then the merchant will let you swipe your card again and brush a sum of 100 yuan.

If the pre-authorization operation is completed, it is equivalent to confirming the frozen part of the pre-authorization, then deducting the consumption amount and unfreezing the remaining money. In the above example, the remaining RMB 65,438+05 will be unfrozen as the available balance. Of course, the thawing time may be different according to different banks. Bank of Communications seems to be 1-2 working days.

In another case, the merchant's machine may be broken at checkout, and the completion of pre-authorization will be cancelled, so the cardholder need not worry. As long as you wait 30-45 days automatically, the frozen funds will be automatically unfrozen (other banks are not very clear, at least Bank of Communications is).

Then there is the crux of the problem. The above transactions, that is, whether the pre-authorization is finally revoked or completed, do not need to verify the password. He may not need you to enter the password directly, or he may ask you to enter it on purpose, but the card reader will not verify it at all, because he has already verified the password once when he first entered the hotel.

I wonder if this explanation is clear enough. Ask me if you have any questions!