1. Query password
The inquiry password is the password used by the cardholder to inquire account information in online banking or telephone banking. Domestic card issuers usually have inquiry passwords and transaction passwords. In order to facilitate memory, it is allowed to set the same inquiry password and transaction password, but setting different inquiry passwords and transaction passwords is more conducive to credit card security.
2. Transaction password
The transaction password is the password used by the cardholder for credit card consumption, cash advance and transfer. According to international practice, the credit card issued in China can also confirm the transaction only by signing without setting the transaction password, and the cardholder can choose freely according to his own habits.
3. Online transaction password
Online transaction password is the password used by cardholders when they swipe their cards through the online trading platform. Credit cards issued in China usually do not have online transaction passwords, but use the last three codes to obtain bank authorization to complete transactions.
4. Online banking login password
Online banking login password is the password to log in to credit card online banking (referred to as "online banking"). Some domestic websites (such as Taobao). ) Require credit cards to open online banking business before online transactions can be conducted. Cardholders can bring valid certificates and credit cards to any business outlet of the issuing bank to apply for opening online banking business. Before using the credit card for online transactions for the first time, the cardholder needs to log in to the counter outlets of the issuing bank, set the login password of the credit card online banking, and enable the credit card online banking function.
The bank has a limit on the number of incorrect credit card passwords. If you enter the wrong password three times in a row, the credit card will be locked for 24 hours and automatically unlocked after 24 hours. If you enter the wrong password 10 times, your credit card will be frozen. If the credit card is frozen or the password is forgotten, the cardholder can bring the valid certificate and credit card to the counter outlet of the issuing bank to reset the password. However, in order to avoid affecting your card, it is necessary to distinguish and remember all kinds of credit card passwords.