After swiping a credit card, it is valid without signature. As long as you spend it, you need to repay it, whether you sign it or not.

The consequences of overdue credit cards are:

I. Bank Credit Card Banking Center will charge late fees and interest:

1. The late payment fee is calculated as 5% of the unpaid part of the minimum repayment amount, and the minimum repayment amount is RMB 10 yuan or USD 1 yuan.

2. At the same time, the bank will charge five ten thousandths of daily interest for the whole bill.

Second, the influence of credit.

1. If it is overdue within one month, it will be deemed as overdue once. As long as it is overdue, even once, it is more difficult to increase the quota;

2. If it is overdue for 3 consecutive times or accumulated for 6 times, there will be a bad credit record, and it will be difficult to borrow money and apply for a credit card in the future;

3. After a certain amount and time, the bank will freeze the credit card.

Do I have to sign on the back of the credit card? This is the correct answer for you.

Many bank credit cards will mark the words "This card is for personal use only, please sign in the signature column on the back of the card" in the important prompt column of the card issuance form. However, many card friends often only remember that it is for their own use, and directly ignore the credit card endorsement. In fact, the signature on the back of the credit card is very important. Everyone must remember to sign it. If you don't know why you signed it, let's get to know it with you.

Do I have to sign on the back of the credit card?

As mentioned above, this is necessary. Here I will introduce the importance of credit card endorsement.

1. Failure to sign will affect consumption abroad.

Many people often use credit cards when traveling abroad. If there is no signature on the back of your credit card, you may be refused to spend it.

You know, foreign consumption is different from domestic consumption. We can trade by password in China, but not outside China. Domestic consumption is traded by signature, and merchants must check the signature according to your endorsement. Moreover, if the credit card signature does not match the counter-signature, the merchant has the right to cancel the purchase and refuse to sell the goods, otherwise you may be investigated for trouble.

2. The card swallowed by 2.ATM can be retrieved with the sign on the back.

When the cardholder withdraws money from the ATM of the bank, if the machine breaks down and the card is swallowed, the bank staff can also check the signature on the back of the bank card with the signature on the register under the condition that the identity of the victim cannot be verified, so as to handle the card return business. However, not all banks will do it. This mainly depends on banks.

In addition, credit card endorsement can also avoid the risk of overseas credit card swiping. In consumption abroad shopping malls, sales staff will check whether the signature is consistent with the endorsement when swiping the card. If the salesperson does not carefully check the signature, the credit card risk is borne by the merchant, while if the credit card is not endorsed, the credit card risk is borne by the cardholder.

It can be seen that the security of the signature on the back of the credit card is as important as the security of the transaction password. If you haven't signed the back of your credit card, please sign it quickly!

Is it okay if the credit card is not signed? This will reduce the loss.

A card friend left a message asking such a question, is it okay not to sign a credit card? So, do you know if you should sign a credit card? Today, I specially compiled this article and introduced it to you in detail. Do you want to sign your credit card?

Is it okay if the credit card is not signed? If it is used in China and the password consumption function is enabled, you can pay by password without signature.

However, the risk of not signing a credit card is also great, as shown below:

1. If the credit card is used for confidential payment, the bank requires that it must be signed on the back of the card. If it is not signed, the funds may not be recovered when others use the credit card fraudulently, and the consequences will be borne by the cardholder;

When spending abroad, you can only do it according to your signature. In other words, if you don't sign it, your credit card can't be used abroad;

Signing your name on the back of the credit card can not only reveal personal information, but also prevent the card from being stolen. When the card is stolen, if the merchant does not check the signature, the responsibility lies with the merchant. If there is no signature, the responsibility lies with the cardholder;

Nowadays, the incidents of stolen credit cards are endless. Signing on the back of a credit card can provide additional security. Why not? Introduction,

You can handle all kinds of credit cards safely and quickly.

The credit card was not signed after payment, and the bill has not been received so far.

The credit card was not signed after payment, and the bill has not been received so far. It can be verified through self-service channels such as WeChat, self-service voice and online banking or by calling the credit card customer service hotline at 400-66-95599.

Classification of credit cards:

(a) according to the different card issuers, it can be divided into bank cards and non-bank cards:

(1) Bank card: This is a credit card issued by the bank. Cardholders can shop at the special merchants of the issuing bank, or withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

(2) Non-bank cards: These cards can be divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

(two) according to the different card issuers, it can be divided into enterprise cards and personal cards:

(1) enterprise card: issue enterprise cards to various industrial and commercial enterprises, scientific research and education institutions, military units, organizations and other legal organizations.

(2) Personal cards: Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

(3) According to different payment methods, credit cards can be divided into debit cards and quasi-credit cards:

(1) Credit card: When the issuing bank provides bank credit, it will first overdraw, then repay or pay by installment. Most of these cards are used internationally. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.

(2) Quasi-credit card: refers to a credit card that the cardholder must deposit a certain amount of reserve fund according to the requirements of the issuing bank. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank, but the overdraft part will be charged with interest from the date of overdraft and will not enjoy the interest-free period.

Can I use my credit card without signing it?

1. If it is used in China and the password consumption function is enabled, since the payment is made by password, there is no need to sign it. 2. If the credit card uses confidential payment, the bank requires that it must sign on the back of the card. (If you don't sign it, the funds may not be recovered when others use credit cards, and the consequences will be borne by the cardholder. ) 3. Because it is impossible to pay by password abroad, spending abroad is based on signature. Please sign your name on the back of the credit card for security. 4. When a large amount of stolen funds is found, it can be reported to the public security organ (stolen before signing), and the inspection organ will impose a sentence according to the criminal law: stealing someone else's credit card belongs to the category of credit card crime, and credit card crime is one of the financial crimes stipulated in China's criminal law. Among them, credit card crimes account for about 60% of the total financial crimes. 5. Article 196 of the Criminal Law lists several situations that constitute credit card crimes, including the act of "fraudulently using another person's credit card". Stealing another person's credit card and using it in the name of the cardholder without the consent or authorization of the cardholder is a typical "fraudulent use of another person's credit card". Article 196 of the Criminal Law stipulates that in any of the following circumstances, those who engage in credit card activities with a relatively large amount shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years and fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft.

Let's not talk about the introduction of credit card swiping without signature.