According to your description in the question, I will give you an answer-Ping An Bank has two credit card passwords, namely, the credit card inquiry password and the credit card transaction password:

1. Ping An Bank's credit card inquiry password-this password is used when calling the 24-hour customer service hotline or logging in to credit card online banking, and is used to inquire your account information. In order to protect the security of the account, it is recommended that you set this password.

Second, Ping An Bank credit card transaction password-this password is used for cash advance transactions. As long as your credit card has been enabled with the function of consumer confidentiality, you can use this password in UnionPay's domestic or overseas POS transactions; However, when your credit card does not have the function of consumer secret protection, you can directly confirm it with your signature when swiping the card without entering any password.