As long as there is a POS machine, you can use a credit card for consumption. The main reason for the failure of credit card consumption is that the credit card has not been opened; When the card reader is in use, the line is busy, or it breaks down, or the card reader itself breaks down, so the transaction information cannot be transmitted; The available credit card amount is insufficient; The magnetic stripe on the back of the card may be demagnetized or the card may be damaged; Merchant consumption restricted or prohibited by the state and regulatory agencies. For example, the banking regulatory bureau has restrictive requirements on non-personal daily consumption such as housing, building materials and wholesale.

At present, domestic banks provide two consumption modes for credit card consumption: "by signature" and "by signature plus password". "By signature" mode means that you don't need a transaction password in the process of swiping a card, you just need to sign the POS slip to complete the payment. The mode of "signature plus password" means that every time you swipe your card, you must enter the correct transaction password and sign the POS slip before you can complete the payment.