There are two ways to verify credit cards: one is signature. This is an international standard. Under this setting, no password is required for consumption. In case the credit card is stolen, you can ask the merchant to sign the bill, confirm the cardholder by signature, and ask for refusal or refund. The premise is that you have relevant copies or photos, record your credit card and then sign the pattern for comparative evidence. Second, the password. It is a native derivative of China. The bank said that the consumer's password is optional, but at the same time it said that the password transaction is regarded as my own transaction. In other words, as long as the password is used, in case someone reads it, it will be regarded as that he swiped it, made a fake card with the password or stole your card. Banks and enterprises are irresponsible.