Debit card holders generally need to enter a password when spending credit cards. Credit card holders can choose whether to set a credit card consumption password. If the cardholder chooses to spend by credit card without password, there is no need to enter a password when spending by credit card; If the cardholder chooses to enter the password to spend by credit card, he usually needs to enter the password when spending by credit card. Cardholders can apply for the function of setting whether to enter a password when swiping a card through channels such as customer service of the issuing bank and online banking.