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Payment via credit card to CIC

vicky_si

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Nov 21, 2012
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Heyy people... A question on credit card usage by CIC... Maybe someone from banking sector can clarify...

If i do an online transaction using my CC, it asks for 3D secure pin ( this is not CVV but another layer of security for online transactions in India... Not sure about other countries) OR one time password (OTP) which comes to my phone to authenticate the transaction...

When CIC enters my CC details to chrge, will this effect ..... I just used my credit card for online shopping and this came up..now i' m scared like hell ' cause if a 3D secure pin is asked when CIC is charging my credit card then credit card payment will be declined ......

Or since i've authorised them by signing the forms, it should not be the same as online transactions and should be fine ...

Seniors .. Please clarify
 

neel-here

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May 12, 2013
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hey vicky.. I had exactly the same concern, but couldn't get a satisfactory response from my CC provider. ... would appreciate if somebody has any documented explanation.

As you mentioned, they got the authorization for debiting CC, I feel think is what they will use to claim the payment from CC.. bypassing the online/ 3D secure step.