1. Different cardholders have different initial passwords. You can check whether there is any relevant information in the envelope sent by the bank. Under normal circumstances, the bank will put the initial password of the credit card in the password envelope and send it with the credit card. Some banks will also generate an initial password based on the cardholder's personal information, such as using the last six digits of the cardholder's ID card as the password.

2. If you lose the password envelope or forget the initial password of the credit card, you can go to the bank outlet of the issuing bank or contact the customer service of the credit card to explain the situation. After passing the authentication, you can reset the credit card inquiry password and transaction password. With these two passwords, the initial password is not important.

Credit card information:

1. Credit card, also called debit card. It is a non-cash transaction payment method and a simple credit service. A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

2. The credit card stipulated in the relevant laws of China (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards) refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement and cash deposit and withdrawal. 20 17 12 1, the English translation and writing standard for public services was formally implemented, and the English names of credit cards were specified.

3. Credit cards are generally special plastic cards, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and there are chips, magnetic strips and signature strips on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks. There is no need to pay cash for credit card consumption, and it will be repaid on the billing day.

4. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.