The origin of credit card is consumption by signature, which has spread to this day. It is a masterpiece of ICBC that China's bank cards are consumed by passwords. Before ICBC had a card, the earliest credit card issued by Bank of China in China was always based on the amount of signature consumption, and later it was forced to follow the crowd and changed to password consumption.

Looking back now, it shows that it is convenient and reliable to consume by password, but the bank excused itself from its responsibility on the pretext of "improper password keeping by customers". With signature consumption, both merchants and banks have the responsibility to check and supervise, which is more reliable for cardholders.