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At first level, you calculate your hit points by adding your constitution modifier to the highest possible total of your class's assigned hit die. For example, if you're a level one cleric with a constitution modifier of +3, then your hit point maximum with be 11.

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The standard deviation is the average amount of variability in your dataset. It tells you, on average, how far each value lies from the mean. A high standard deviation means that values are generally far from the mean, while a low standard deviation indicates that values are clustered close to the mean.

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A credit card is a convenient way to make purchases and comes with multiple layers of security. To make purchases at a retail outlet or pay for dining purposes, you must enter your 4-digit pin. When you use your credit card to make online purchases like booking a flight or shopping, you mention your 3-digit credit card CVV number. However, your CVV number is not the only level of security as banks are constantly upgrading their security features to avert instances of fraud. There is now something known as the One-Time Password (OTP) in credit card transactions.

So what is an OTP in credit card transactions? OTP is a unique, temporary code of four to six digits randomly generated by the bank to authenticate a credit card transaction. In other words, the credit card transaction cannot be completed without it. It is sent on the registered mobile number and email ID and is usually valid for only 10 minutes. It is advisable to enter the correct OTP or the bank can block your credit card if a wrong OTP is entered more than three times.

OTP is a 6-digit number that adds an extra level of security to all your online and banking transactions. Any transaction done without the use of OTP can prove to be risky as it removed the added layer of security provided to the customer. Now that you have an idea of what is OTP in credit card transactions, here is some information on various types of transactions where OTP is required.

These days, we all love to shop online and use our credit cards to make payments. CVV is one security measure provided by the bank to help reduce any risks but it may be worrisome if someone has access to all your card details. Hence, OTP can prevent such mishaps from taking place as the bank shares it only on the registered mobile number or email address of the customer making it a safe and secure online transaction.

You may be required to repay your loans at some point in time that could be a student loan, home loan, or even a vehicle loan. Using your credit card could be a quick way to repay the loans and the use of OTP on a credit card could be the best way to track your loan payments as well as ensure that the payment is authorized by the individual itself and not a third party.

Making payments on your utilities with your credit card is an easy way to handle your expenses and pay your bills on time. Setting up an automatic bill payment facility can ensure regular payments of utility bills using a credit card. However, it is essential to note that no payments go through the credit card without using an OTP for dual authorization of the transaction.

Credit cards are a popular tool for making payments and offer enormous benefits in terms of ease in payments along with an additional level of security by way of using OTP in all credit card transactions. Some of the benefits of credit card OTP are as follows:

It is always advisable to use an OTP to maintain that added level of security of all your transactions. However, there are some ways by which one can conduct a credit card transaction without OTP:

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