The consumption password for Bank of Communications credit card is the transaction password you set when you opened the card and activated it. \x0d\Credit cards generally have two passwords, one is the transaction password and the other is the query password. \x0d\1. Transaction password: Also known as payment password, it is generally entered when the cardholder uses a credit card to make purchases or withdraw money. It is used to verify the security of the transaction, such as consumption at a shopping mall POS, using an ATM machine or through a counter. Cash withdrawal, inquiry and other services \x0d\2, inquiry password: generally entered when the cardholder uses telephone banking or online banking, to verify the identity of the logging in person.