Debit card holders generally need to enter a password when spending credit cards. Credit card holders can choose whether to set a credit card consumption password. If the cardholder chooses to spend by credit card without password, there is no need to enter a password when spending by credit card; If the cardholder chooses to enter the password to spend by credit card, he usually needs to enter the password when spending by credit card. Cardholders can apply for the function of setting whether to enter a password when swiping a card through channels such as customer service of the issuing bank and online banking.

Credit cards generally do not use passwords. Credit cards such as Guangfa Bank and China Merchants Bank can be used without entering a real password, mainly to confirm whether my signature on the POS slip is consistent with the signature on the back of the card or on the application form. However, credit cards are usually opened with passwords. To open a card, you need a card number, ID number, mobile phone or home phone number. Individual banks need to use mobile phones and fixed telephones to set passwords for cash withdrawal and consumption when filling out forms. Most banks issue cards first, and then send coded letters.

Data expansion: international practice, you don't need a password to use a credit card, just sign it when you use it. (They have a good use atmosphere and perfect personal credit system) In China, the same is true in the early stage of credit card promotion. Later it was found that it was not suitable for our national conditions. At present, most credit cards in domestic banks need to use passwords to confirm payment, but some credit cards in China can confirm payment without passwords. ?