The legal environment and the relationship between consumers and banks are different at home and abroad. In foreign countries, credit card passwords are not required. As long as it is the cardholder’s signature or authorization, there will be no problem, because Their password may be 4 digits, or even there is no password, the card number is the password, but doing this in our country is unrealistic and carries great risks.

Foreign credit cards are a kind of consumption behavior based on credit. When the cardholder uses this credit card to make purchases, as long as he confirms that it is the bank that issued the card, the money will be transferred to the merchant. In this way The normal consumption process is over. If the credit card holder calls the credit card company and declares that a certain purchase was not made by me, then the bank will choose to transfer the money back to the credit card and confront the merchant, and then the merchant will It also provides corresponding legal evidence to prove that only by providing this service can the normal transaction process be completed, and the rights and interests of consumers are fully protected.

Domestic credit cards must use a password, because the money on domestic credit cards is spent once it is spent, and it is impossible to get it back to you, just like our bank card, or our own The money in some cards was lost when you were in school. The official school will definitely not admit it if you go to the school. The loss is your own responsibility. Domestic credit card issuing banks also have this attitude. The credit card is issued to the cardholder. People, then all legal responsibilities are the responsibility of the cardholder. You can't complain to the bank after the consumption, saying that the money was not spent by me. Can you cancel it? The bank's answer is sorry, you don't have any evidence to prove that this consumption was not yours.

There is a big difference between the civil law system and the European and American legal system. I personally think that one of the big differences is the European and American legal system. If you say that this person is guilty, then you have to provide corresponding evidence to prove it. He is indeed guilty, but if the corresponding judgment in China says that you are guilty, then you have to provide corresponding evidence to prove that you are not guilty, otherwise you are guilty. There is a difference between active and passive.