This is to avoid fraud.

When the user receives the credit card, there will be a verification number on the back of the credit card. You need to first log in to the relevant credit card APP, set the login password in the APP, and finally set the query password. The login password and the query password are generally different. You only need to set two different passwords, which can further protect the security of your funds. After finding the credit card activation button, you need to enter the verification number on the back of the credit card and finally perform real-name authentication.

After one authentication, you do not need to authenticate again when you swipe your card in the future. Generally, only magnetic card-type credit cards need to be authenticated before swiping your card.