The signature on the back of the credit card is as important as the password, which is the guarantee of consumer safety.

Bank staff said that the signature on the back of the credit card is the guarantee of consumer safety and is as important as the password. Unlike in China, you don't need to verify the password when you spend your credit card abroad, but you rely entirely on your signature. Therefore, if the cardholder does not sign back, it will affect his normal consumption abroad.

With the signature on the back of the credit card, you can get back the card swallowed by ATM.

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.

If the signature on the back of the credit card does not match, the mall can refuse to sell the goods.

When spending by credit card, the cashier has the right to cancel the consumption and refuse to sell the goods if he finds that the signature does not match the signature on the credit card during the process of checking the signature. Don't think this is a fantasy, because the risk of credit card theft caused by unsigned settlement will be borne by the merchant, and the responsibility for the theft of unsigned credit cards lies with the cardholder.

So the signature on the back of a credit card is very important, but many people tend to ignore its importance. Regarding the back signature, you need to pay attention to the following two points:

The font of the signature on the back of the credit card should be consistent with the usual signature. Try to avoid too neat fonts, otherwise it is easy to be imitated.

The credit card signature cannot be altered, otherwise the signature is invalid. If you accidentally sign the wrong card, you can apply to the bank for a new card. In addition, it is best to use a ballpoint pen when signing. When the pen and ink are dry, put the card back in your wallet to prevent the signature from being blurred.

What do credit card signature and password consumption mean?

Credit card signature plus password consumption means: in addition to checking the signature on the back of the card, you need to enter the set transaction password to complete credit card consumption.

When applying for a credit card, users can choose "signature password" or "signature" when spending by swiping the card. If "Signature" is selected, the consumer can complete the transaction without entering a password after swiping the card.

You can complete the transaction by swiping a credit card without entering a password. Once the credit card is lost, the money in the card is easily stolen, which is a security risk for the cardholder.

Extended data:

Credit card encryption is more secure.

"Signature" and "password signature" are two main means of credit card transaction verification at present. Whether a credit card should have a transaction password and the responsibility determination after being stolen are controversial topics for many years.

Because the cardholder is responsible for keeping the password after setting the transaction password, if the cardholder reveals the password to a third party, including entering the password on the phishing website, the cardholder will bear the debt, which leads many consumers to hesitate whether to set the password on the credit card.

Bank of Communications credit card experts pointed out that in the domestic payment environment, setting transaction password plus signature verification is obviously safer than simple signature verification. Because the task of checking whether the signature on the purchase order is consistent with the signature on the back of the card is completed by the merchants on the spot, but now many domestic merchants are sloppy in checking the signature, and the signature is easy to forge, but it is difficult to tell the difference with the naked eye.

Password is a verification tool that only I know, and it is not easy for others to get it. One more verification link, one more guarantee. This means that "password signature" verification is much safer than just "signature" verification. As long as the cardholder pays attention to protecting personal information such as passwords, the probability of "stealing brushes" will be greatly reduced.