After forgetting the bank card password, you must find a way to reset the password as soon as possible. There are two methods:

First, reset the password at the bank counter and hold it. The cardholder will go directly to the bank counter after receiving the bank card, and just inform the staff that they need to reset the bank card password. Remember to show your personal ID card, so don't forget to bring your ID.

The second method is to change the password in online banking and log in to the official website of the issuing bank. After entering, log in to personal online banking, find the "Retrieve Password" option and click to enter. Follow the prompts to fill in the card number and ID card. number and other information, click "Next" after completion.

To handle the password reset business, enter the new bank card password according to the prompts on the page. After the input is successful, you will generally be asked to enter the new password again and verify it through your mobile phone. , enter the SMS verification code and dynamic password to complete.

Bank cards refer to credit payment instruments issued to the public by approved commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc. Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space and undergo fundamental changes. The application of the bank card automatic settlement system has made the dream of a "checkless, cashless society" a reality.

Classification method

Generally, bank cards are divided into credit cards and debit cards according to whether they grant the cardholder a credit limit. In addition, bank cards can also

be divided into magnetic stripe cards and chip cards according to different information carriers;

are divided into domestic cards and overseas cards according to whether the issuer is in the country;

It is divided into personal cards and corporate cards according to the issuing objects;

It is divided into RMB cards, foreign currency cards and dual-currency cards according to the account currency.

Debit card

Debit cards are divided into debit cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money. A special card is a debit card used in a specific area and for special purposes (referring to purposes other than department stores, restaurants, and entertainment industries). It has the functions of transferring funds, depositing and withdrawing cash. A stored-value card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage at the request of the cardholder and directly deducts funds from the card during transactions.

Debit card (debit card) can be used for consumption online or at POS, or transfer and withdrawal through ATM. Overdraft is not allowed, and interest is calculated on the amount in the card based on current deposits. Funds are withdrawn directly from the savings account when spending or withdrawing money. Debit cards generally require a password (PIN) when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their levels; they can be divided into domestic cards and international cards according to their scope of use.

Credit cards

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank.

Credit card

Credit card (Credit card), often called a credit card, refers to a certain credit limit given by the issuing bank to the cardholder. The cardholder can use the credit limit within the credit limit. A credit card where you spend first and pay later. It has the following features: consume first and repay later, enjoy an interest-free payment period (up to 56 days), and has a minimum repayment amount. Customers can repay in installments if they have overdrafts. Customers need to pay a certain amount of annual fees to the bank they apply for, which differs from bank to bank.