No

According to the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks

Article 38 The issuing bank shall publicly and clearly inform the applicant of the application materials and basic requirements, and the application materials must be signed by the applicant himself, and the card shall not be issued without the knowledge of the customer or against the wishes of the customer.

The application materials for the supplementary card of the credit card accepted by the issuing bank must be confirmed by the main cardholder through personal signature, customer service telephone recording, electronic signature or a way recognized by both the cardholder and the issuing bank.

So banks must personally sign credit cards for customers!

I got a credit card at the gas station, but I didn't sign it in the end. Is it valid?

Handling a credit card without signature will not take effect.

Personal credit card application conditions:

1. Age requirements: domestic residents must be between 18-65 years old, and foreigners must be between 25-65 years old;

2. Job requirements: have a stable work unit, income and fixed residence;

3. Credit requirements: no bad credit record. The supplementary card applicant must be the parent, spouse or child of the main card holder, aged between 16-65.

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 a credit card is very important. Everyone must remember to sign. 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 the merchant 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!

What happens when you apply for a credit card without signing a contract with the bank?

The main purpose of the bank's request for customers to go to the business outlets for face-to-face signing is to verify the identity of the applicant and confirm whether the cardholder himself applied for it. Only when the interview is passed can the user activate the credit card normally. If you don't go to the interview within the validity period of the interview, the bank will automatically give up applying for a credit card, and users can't reapply for a credit card through the online channel for a period of time (usually 90 days). However, if the credit card passes the preliminary examination and does not go to face-to-face signing, it will not have much impact on personal credit reporting, nor will it affect the handling of other financial businesses.

Nowadays, many people apply for credit cards online. If you apply for the first card, you have to go to face-to-face visa, while some banks pass the preliminary examination and then face-to-face visa, and some banks need to face-to-face visa and then face-to-face visa. If it is the latter, you will receive SMS confirmation at the outlet, which is actually asking for an interview.

In fact, the purpose of face-to-face interview is for the bank staff to confirm the applicant from two aspects. One is to confirm that the original valid ID card is my own card through photo comparison, and the other is to confirm the authenticity by asking questions and reviewing the information on the application form. Finally, let the applicant sign the application form, indicating that the applicant agrees to abide by the relevant provisions of the credit card contract.

If you don't want it, you can skip the interview. Usually the bank will set a confirmation period. If you don't go to the outlet to confirm in time, the staff can't verify the applicant's information in person to confirm that you have a card, so don't give it. It also means that users voluntarily give up their applications. If you want to continue to apply in the future, it will take some time, usually about 90 days. Furthermore, users choose to give up in the face-to-face signing stage of credit cards, which will leave a bad impression on banks, which may further affect the pass rate of the next card application.

Generally speaking, the purpose of a credit card interview is to verify the identity of the applicant. Generally speaking, it is mainly aimed at users who apply for new cards online. Although it may not be possible to get off the card by going to the outlet to confirm, there is still a chance compared with not confirming. Of course, if you don't want a credit card after passing the preliminary examination, you don't have to confirm it, but Bian Xiao still suggests waiting until it is really necessary to apply for a credit card. After all, the credit report will leave a credit card approval inquiry record.

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.

This is the end of the introduction about why the credit card is not signed and what will happen if it is not signed. I wonder if you have found the information you need?