The bylaws of the bank's credit card tipulate that all transactions conducted with a password are deemed to have been done by the cardholder himself. This means that as long as the password is used when the credit card is stolen, the bank regards it as the behavior of the cardholder and is not responsible for the loss. Therefore, in order to make your credit card more secure, you should not set a password.
 What the experts say is not necessarily correct does not undermine the above conclusion.