To know the series: first withdraw the card and then spit out the money

Zheng @ playpoly Sr 20100105

A pushing friend said: "My colleague's real experience: the ATM of HSBC actually withdraws the card first and then pays for it, which is opposite to that of other banks. So I did a lot of things today: I took more than 2 K and left after I got the card and didn't get the money .』

Someone replied, "The standard in Hong Kong is like this. Many countries use this. It is said that it is to prevent users from forgetting to take the card. If you get the money, you will never forget to take the money... I did not expect that I forgot to take the money. 』

 

The China UnionPay website also reminds users that the website for traveling abroad and studying abroad will also prompt:

Note that the ATM withdrawal operations in some countries are different from those in China. First, withdraw the cards, pay the bills, and then print the documents.

If you do not get the card within 30 seconds, the ATM will swallow the card, no longer spit the money, and automatically cancel the transaction.

 

It is correct to say that the first exit is to avoid the risk of missing the card. This is a typical method of mutual harm.

It is said:

『

There is evidence that the probability that the customer forgets to withdraw the money is lower than the probability that the customer forgets to withdraw the money. Major banks in the world have adopted the method of first withdrawing cards and then spitting money.

At the same time, there is another data that indicates that if you withdraw the money first, the loss of funds will be much higher than the loss of money after you withdraw the money first.

』

There are also news reports, "who is responsible for the theft of the card that forgets to take the card", said:

『

The reason why the society and individuals have always considered it as their own is forgotten. In fact, from this case, we can see that as long as the bank modifies the process, follow the self-help principle of "one-time password operation ",Card retrieval and risk can be avoided. See the facts:

Bank of China: First withdraw the card and then spit out the money (completely avoiding the risk of forgetting to take the card)

Agricultural Bank of China: The password must be confirmed again for each operation (in this case, even if you forget to take the card and want to perform the second operation, no password is required and there is no risk at all)

China Merchants Bank: Withdraw the card immediately after the bill is reported. (If you do not have another option, you must re-enter the card for the second operation, that is, you must re-confirm the password)

』

 

After a simple check, the banks, countries, and regions where the atm first withdraws the card and then cuts the money:

HSBC

Italy

Spain

Portugal

Philippines

.

 

Many newly created ATM machines in China have also adopted the procedure of first withdrawing cards and then spitting money. For example, Xiamen Construction Bank, but the people in the bank thought that the money was made by others.

Zhengyun Beijing Report

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