You just need to bring your ID card and your Bank of Communications credit card to the branch to fill in the form and activate credit card online banking. The mobile phone dynamic password is free, and the system randomly sends the password to you every time you make a payment. On your mobile phone, if others don’t steal your mobile phone, there should be no problem. In addition, you can also set a payment card number. When paying, you will not use your card number but the number you set yourself, so it is relatively safe. It should be fine if you pay attention.