At present, many domestic banks claim that their cards are safe and use the method of "signature plus password" to spend. In fact, this is not necessarily the safest way to consume, and the three ways have their own advantages and disadvantages.

First of all, many banks provide 24-hour or 48-hour compensation for lost cards, that is to say, your credit card will be paid to you by the consumer bank within a certain scope of responsibility within a certain period of time before the loss is reported, so that you have no loss. However, the premise of this compensation must be "no password transaction", and any POS transaction, online transaction and embodiment with password are not protected. More importantly, the password you set sometimes doesn't work. The "signature plus password" consumption is the product of the localization of credit cards in China, which is only valid for UnionPay network. However, although most domestic merchants default to UnionPay network, if you go to international networks such as VISA, MasterCard, JCB and American Express (which are also supported by domestic POS machines), your password will be invalid. But the bank doesn't care about this. As long as you choose the "signature plus password" consumption mode, you will not enjoy safe payment.

However, if you don't fulfill the responsibility of keeping the card, for example, you forget to steal it at the cashier, then the bank has no obligation to pay safely. In this way, the consumption mode based solely on signature is more dangerous than "signature plus password". Because after all, "signature plus password" has a password and cannot be stolen on the "UnionPay" network.

Hehe, that's it. The problem has changed. Do you think you are more likely to lose without responsibility or to lose with responsibility? Or is it easier to be stolen or left at the checkout counter?

Therefore, what kind of consumption pattern to adopt, or your own choice, has its advantages and disadvantages.

In addition, you said that "password consumption will greatly increase the probability of password leakage, and once the password is leaked, it is very risky to make fake cards and steal them." At the same time, others can withdraw cash from the ATM according to the password, and all operations using the password will be regarded as authorized by the cardholder, and the bank will not be responsible. " There is some truth, but there is an essential mistake. The consumption password and cash withdrawal password of any credit card can be set as two different passwords. Therefore, you can worry about the password being leaked and stolen, but you don't have to worry about being withdrawn. Just like this, we often hear about the theft of credit cards, but few cash is stolen.

Finally, I would like to remind you that Southeast Asia is the hardest hit area where credit cards are stolen, so the safest way to spend money in Southeast Asia is cash. Or change the card as soon as you come back.