If you don't know the credit card password, you can sometimes spend it by signing it. There are two kinds of credit card consumption, one is signature direct consumption, and the other is signature plus password consumption. This can be set by yourself. Password+signature is usually the safest and safest.

Credit cards have two passwords, one is the transaction password and the other is the inquiry password. Different passwords are retrieved in different ways after being forgotten. If the cardholder forgets the inquiry password of his credit card, the cardholder can check the 24-hour customer service hotline displayed on the back of the credit card and make a phone call. After entering the card number, check the inquiry password and reset the inquiry password according to the prompt. It takes effect as soon as the password setting is inquired.

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Precautions for credit card repayment:

1, when spending by credit card online, be sure to check the payment time clearly. Many users pay by credit card after online shopping, but they have to return the goods after receiving them. When they received the repayment, they thought they could mortgage the repayment of the month, which led to overdue repayment. In fact, the credit card refund will be included in next month's bill, so the cardholder must read it clearly.

2. The minimum repayment interest is high, so it is better to repay by installments. After credit card consumption, many banks will choose the minimum repayment amount in the current bill, but the minimum repayment amount does not enjoy interest-free repayment, and will charge interest of five ten thousandths.

3. In case of automatic repayment, you must know the deduction time of the issuing bank. If the salary is not paid in time or has passed the deduction period, it will be overdue, so the cardholder should ensure that the funds in the card are sufficient.

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