At present, there are generally two ways to confirm credit card consumption in China: credit card signature consumption and credit card payment password plus signature. It is up to the credit card holder to decide which method to use. Generally speaking, they will notify the bank when applying for and activating a credit card. Domestic credit card holders tend to choose credit card payment password plus signature, and a small number of cardholders will choose only credit card signature for consumption.

For banks, if the cardholder chooses the method of adding signature to the credit card payment password, then at some point, if the credit card is stolen or there is a dispute, the responsibility will be borne by the cardholder. However, if the cardholder chooses to spend only by credit card signature, then the merchant will be responsible for checking whether the cardholder's signature is true and valid after credit card consumption. Once the credit card is stolen or there is a dispute, both the merchant and the bank will bear the responsibility.