The essence of a credit card is to show that the cardholder has a credit certificate from the beginning, and the signature is used as the cardholder's authorization and payment confirmation, that is, the bank is authorized to pay the merchant within the cardholder's credit range. For credit cards with transaction password in China, the transaction password will not work when they are consumed abroad, because the foreign credit card habit is to recognize only the signature but not the password, and the transaction password is the product of China characteristics.

1. Foreign countries attach great importance to the legal effect of signatures. Personal signature has a strong legal effect, and the signature represents a person's legal attitude. For example, all kinds of documents and contracts are signed for confirmation, and there is no so-called "official seal" system in China. The so-called corporate seal is generally only used as an organizational logo, and its effectiveness is subject to signature and seal.

2, Europe and the United States and other countries have a large number of personal checks, checks are also signed to confirm the holder's willingness to pay, and there is a perfect signature authentication system. So after the credit card appeared, it also followed the habit of checking.

3. The responsibility of signature verification lies with the institution. Employees and merchants of foreign banks have a strong awareness of signature recognition, otherwise, if the signature obviously does not match, the institution is likely to bear the responsibility of stealing, which makes the security risk control measures related to signature more mature.

Tip:

If the customer finds the stolen brush, he can contact the issuing bank within 60 days after the stolen brush, and the issuing bank will be responsible for resolving the dispute. However, domestic credit cards generally use passwords. In case of theft, it is difficult for ordinary banks to recover losses.