Most domestic credit cards don't have signatures on the back, so it's customary to use passwords in domestic transactions. But the signature on the back of the credit card is very important, so what is the use of the signature on the back of the credit card? Explain it in detail for you.

1. Stealing without signature is at your own risk.

The credit card is stolen, and whether it is signed or not determines who bears the risk. If there is a signature, the merchant will bear the risk of the credit card being stolen without checking the signature, while if the credit card is stolen without the signature, the responsibility lies with the cardholder.

You can get back the swallowed card with your signature.

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.

3. No signature affects consumption abroad.

The signature on the back of the credit card is the guarantee of consumer safety, 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.

As can be seen from the above, the signature on the back of the credit card is very important. Everyone should be careful not to be too neat and easy to be imitated when signing on the back of the credit card. And the signature should be consistent with daily handwriting.

What does it mean to sign on the back of a credit card?

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 doesn't 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 passwords and signatures mean?

Although many cardholders need to enter a password before signing a transaction when using a credit card, they don't know why or what it means. This practice is a way for banks to verify the identity of cardholders when spending. Let's have a look.

What does password signature mean?

When using a credit card to spend money, the bank will need to verify the identity of the cardholder, and there are two main ways to verify the consumption, one is signature, and the other is this "password plus signature".

That is to say, if you set a transaction password when applying for a credit card and sign on the back of the card, you must enter this transaction password and sign the shopping list when swiping the card to complete the consumption.

What's the use of password signature

The advantage of "signature password" verification is that the security is higher than that of using signature alone, and the risk of credit card being lost and stolen is very small. The disadvantage is that once the credit card is stolen, the consumer will take full responsibility, and the bank that reported the loss will no longer be liable for compensation.

Note: This method is mainly based on password verification. Once the cardholder's password is correct, even if the signature does not match, the loss of stolen brush must be borne by the consumer.

Is the password signature safe?

Many card friends think that it is best not to set a password for credit cards, because you can enjoy the protection of lost cards without a password, and the security will be higher. Is it true?/You don't say.

On this issue, some bankers said that it should be treated separately according to the card environment and the type of credit card used. For example, the foreign credit card market is relatively mature, and there is no need to set a password. However, in China, not all banks' credit cards are not guaranteed, and cardholders should still set transaction passwords. For credit cards without card protection, the cardholder can choose not to set a password.

However, it is believed that credit cards should be more secure if they use the "password signature" verification method under the double guarantee.

In the case of stolen credit cards, if compensation is decided by the origin, it will generally be decided according to the specific situation. First of all, we must clarify the responsibilities, such as the customer did not keep it well, the merchant did not confirm the signature, and the bank ATM machine failed. The responsibilities of both parties will be confirmed according to the specific situation, not according to whether there is a password.

Therefore, the best way to keep credit cards safe is to try to prevent them from being stolen, strengthen custody and protect passwords.

What does it mean to activate the signature sheet when applying for a credit card?

Hello, if you apply for our credit card, after receiving the card, you need to activate the card and sign on the signature column for future use.

Please log on to the credit card website, click "Open Card and Set Password" on the right, enter relevant information according to the prompt to open the card, and set the inquiry password and transaction password. Warm reminder: please sign on the back of the card, which is consistent with the signature on the application form.

If you have any questions about other credit cards of China Merchants Bank, you can add QQ Corporate Customer Service (4008205555) or WeChat (China Merchants Bank Credit Card Center) for consultation. Thank you for your concern and support for China Merchants Bank!

This concludes the introduction of what is a credit card signature and what is a bank card signature. I wonder if you found the information you need from it?