Credit card consumption methods include pos card consumption, online consumption and pre-authorization. Among them, pos credit card consumption is the most common way of credit card consumption; Online consumption is the fastest growing credit card consumption mode in recent years, but most cards have no points in online consumption, so it is still not as popular as pos credit card consumption. Pre-authorization is a common consumption method when using credit card to pay hotel accommodation deposit and car rental fee.

Consumption mode is a way to confirm transactions when using pos machines. At present, most banks offer two models. One is "signature" consumption. After swiping the card, you only need to sign the transaction to confirm the transaction. The second is "password and signature" consumption. After spending by credit card, you need to enter the transaction password, and then sign the documents issued, which means the transaction is completed.

Generally speaking, you can directly dial the customer service phone number of your credit card or personal online banking to set the credit card consumption pattern.