The initial password of a credit card is randomly generated by a bank when making a credit card. The initial password of a credit card is different for different cardholders, so as to ensure the safety of using the card and prevent the credit card from being fraudulently swiped.

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 also generate an initial password based on the personal information of the cardholder, such as using the last six digits of the cardholder's ID card as the password.

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 inquiry password and transaction password of the credit card. With these two passwords, the initial password is not important.

Credit Card, also called credit 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 a qualified consumer. Consumers with credit cards can go to special 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 limit.

China's relevant laws ("the NPC Standing Committee on <; Criminal Law of the People's Republic of China > The credit card specified in the Interpretation of Credit Card Regulations refers to an electronic payment card issued by a commercial bank or other financial institution with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal [1-2]? . On December 1, 217, the Standard for English Translation and Writing in Public Services was officially implemented, stipulating that the English name of the credit card standard is Credit Card [3]? .

Credit cards are generally special plastic cards with a length of 85.6mm, a width of 53.98mm and a thickness of 1mm. The name of the card issuer, expiration date, number, cardholder's name and other contents are printed on the front, and there are chips, magnetic strips and signature strips on the back. Cardholders can use their credit cards to shop, spend money and deposit and withdraw cash from banks.

there is no need to pay cash when spending with a credit card, and repayment will be made on the Billing Date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder 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 as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

Reference: Baidu Encyclopedia _ Credit Card