Credit card transaction encryption means that the user has enabled this function, and in domestic transactions, the transaction can only be completed with the signature and transaction password, which can improve the security factor of credit cards.

according to the convention, credit cards are consumed by signature by default, and there is no need to use a password when swiping a card. If customers want to use password authentication in consumption, they need to set the transaction password and open the function of consumption voucher.

when users apply for a credit card, they can choose "signature+password" or "signature" when spending by swiping the card. If "signature" is selected, after swiping the card, consumers do not need to enter a password, but only need to sign to complete the transaction.

Therefore, it is suggested that consumers should choose "signature+password" when facing the "credit card consumption mode" to improve the security factor of credit cards.