1, which may or may not be needed. There are two ways, one is password+signature payment; The other is to pay only by signature, that is, without password;

2. If you use a password to spend money, the bank will judge whether your credit card has been stolen, unless you can prove it (for example, if your card is stuck in your place and your card has been stolen elsewhere, then go to the nearby ATM immediately and get 100 yuan to prove that you are stuck here); If the signature is used for consumption, if the credit card is stolen, it can be compared with the signature on the purchase order to determine whether it is stolen (the signature can be compared and imitated anyway), and the merchant has the obligation to check the signature. Therefore, it is safer to use signature consumption in theory.