ICBC password card does not have an initial password.

The electronic banking password card is equivalent to a dynamic electronic banking password. There are a number of character strings printed on the password card in the form of a matrix. When customers use electronic banking (including online banking or telephone banking) to conduct payment transactions such as external transfers, B2C shopping, and payment, the electronic banking system will randomly give a set of passwords. Card coordinates, the customer finds the password combination from the card based on the coordinates and enters it into the electronic banking system. Only when the password combination is entered correctly can the customer complete the relevant transaction. This password combination changes dynamically, and the password entered by the user is different every time it is used, and it becomes invalid after the transaction is completed. This prevents criminals from stealing customers' passwords to steal funds and ensures the security of electronic banking.