What is the difference between these two ways of setting the charset in communication with the bank?
$pdo = new PDO("mysql:dbname=qualuqer_db;host=localhost;charset=utf8", "root", "");
and
$pdo = new PDO("mysql:dbname=qualuqer_db;host=localhost", "root", "", array(PDO::MYSQL_ATTR_INIT_COMMAND => "SET names utf8"));