Your question is very good, finally someone asked it.

1. Your credit card number is your password and should be kept properly. Chinese credit cards do not require a password, but given the domestic environment, it is still recommended that you use a password.

2. Foreign credit cards are for credit consumption, and merchants must confirm that the purchase is made by the person themselves before they can provide goods or services. If the credit card holder finds that he has not received services from the merchant and directly reports to the credit card company that "this purchase was not authorized by the cardholder", the credit card issuing company will return the money to you until the merchant finds a way to provide you with goods or services. Only with evidence can the money be redirected to it.

Chinese banks treat consumers as their grandchildren. They are colluding with unscrupulous merchants. They will not give you money just because you complain. They will give you money only if you provide proof. However, banks in developed countries such as the United States Legislation protects the weak.