Because credit cards can be paid without a password, online payment only requires entering the credit card number, expiration date, the CVV2 code of the last three digits after the signature on the back of the card, and the mobile phone number reserved for the card at the bank to complete the payment and transaction. The entire process does not require a credit card transaction password, and the reserved mobile phone has not received the SMS dynamic verification code sent by the bank.

Note: When the cardholder receives the credit card, the CVV code on the back can be covered. Once the credit card is lost, as long as the finder cannot find the CVV code on the credit card, even if the cardholder's identity information is obtained, this card cannot be used for payment in a "non-magnetic and non-password" manner.