1. Signature.
Under this setting, no password is required for consumption. In case the credit card is stolen, you can ask the merchant to sign the bill, confirm the cardholder by signature, and ask for refusal or refund. The premise is that you have relevant copies or photos, record your credit card and then sign the pattern for comparative evidence.
2. Password.
The bank said that the consumer's password is optional, but at the same time it said that the password transaction is regarded as my own transaction. In other words, as long as the password is used, in case someone reads it, it will be regarded as that he swiped it, made a fake card with the password or stole your card. Banks and enterprises are irresponsible.
At present, credit cards with passwords in China include CCB, ICBC and Minsheng.
Credit cards without passwords include Guangfa and China Merchants.
Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system will make "a society without checks and cash" a reality.