1. The back of the credit card must be signed. This signature is as important as the password.
2. For consumers, although all credit cards have passwords, the risk of password leakage increases with the increase of credit card usage. After the credit card and password are lost, checking the signature behind the credit card becomes the last barrier to protect the security of the main credit card.
3. If the cashier finds that the signature does not match the signature on the credit card in the process of checking the signature, he has the right to cancel the consumption and refuse to sell the goods, which can avoid the loss of the owner to a certain extent.
Bankers remind that for cardholders, when handling credit cards, they should sign a more personalized name, preferably a signature that is difficult to imitate. At the same time, consumers should never set their passwords to easy-to-try numbers, such as birthdays.
5. In addition, it is necessary to develop the habit of saving transaction documents to facilitate reconciliation and provide them to the bank for investigation when problems arise. It's best to memorize the telephone number of the bank. Once the card is found to be lost or stolen, report the loss by phone immediately.
I really want to know the meaning of the signature on the back of the credit card.
The main function is for the security of your credit card.
Sign a credit card in time. There are three rules on the back:
1, the same as the name on the ID card.
2. It is consistent with the style you signed on the application form.
3. You should also use this signature when you consume in the future.
As can be seen from the above provisions, it is mainly for the safety of credit card owners.
However, thieves can also copy your signature style. Of course, if you know your credit card password.
What's the use of signing on the back of a credit card
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?
Signing on the back of the card is to ensure the safety of the cardholder. Please be sure to sign. Just remember how to sign at will. If you sign the bill incorrectly, the merchant may refuse it. Of course, if your card has a transaction password or belongs to a photo card, you don't have to sign it, but this will lose a heavy guarantee.
Don't try to erase the signature in any way, so the special paper in the signature column will peel off and the card will be invalid (if the signature is so easy to modify, it will be very dangerous, hehe).
Why do credit cards have to be signed on the back? After reading it, you will hurry to sign it. ..
Many card friends will see the prompt "This card is for personal use only, please sign in the signature column on the back of the card" in the card issuance notice. However, quite a few card friends don't take this hint seriously, thinking that they just need to set a password for their credit cards, and it doesn't matter whether they sign or not. So, is this really the case? After reading the importance of signing on the back of a credit card, I think you will immediately take out your credit card and sign on the back.
Why do credit cards have to be signed on the back?
As far as we know, the back of the credit card is the guarantee of consumer safety, which is as important as the password and has three main functions:
1, affecting consumption abroad:
Although credit cards with no signature on the back can be swiped in China, they can't be swiped abroad. It is necessary to know that credit card consumption abroad does not need to verify the password, and the security depends on the signature, so if the cardholder does not sign back, it will affect his normal consumption abroad.
2. Reduce the risk of credit card theft.
Credit card endorsement can also reduce the chance of card being stolen. As we all know, if some credit cards have signature consumption and no password, it is easy for others to steal your credit card.
But the cashier must check the signature carefully when swiping the card. If you find that the signature does not match the signature on the back, you should cancel the consumption. Otherwise, if the cashier makes a settlement without checking the signature, the loss of your credit card being stolen will be borne by the merchant. I'm sorry if your credit card is not countersigned, but when your credit card is stolen, you are responsible for its loss.
3.ATM swallowing cards can be retrieved by signature.
Many card friends often encounter this situation and withdraw cash or deposits from ATM machines. If the password is entered incorrectly three times in a row, it will be easily swallowed. And if you can't provide proof that the card is your own, it is very difficult to get the swallowed card back.
But if your credit card is countersigned, you can also check it with the signature on the bank register. If you can check the number, you can get the swallowed card back.
Seeing this, do you still think it is unnecessary to endorse the credit card? Then, how to sign the back of the credit card?
1. Sign the signature column on the back of the card with a ballpoint pen or gel pen as soon as you get the card;
2. When signing, the font should be the same as usual, but it should not be too neat to avoid being imitated by others.
3. Do not alter the signature, otherwise the signature will be invalid.
What does it mean to apply for a credit card interview?
1. Face-to-face credit card signing means that the cardholder personally signs at the issuing bank's business outlets.
2. After the general applicant submits the application online, the bank will send a text message to inform him that he has passed the preliminary examination, and ask him to arrive at the issuing bank's business outlets for face-to-face signing with his ID card at the specified time.
3. If the issuing bank issues the credit card to the applicant, then the applicant needs to go to the bank to face-to-face sign the activation card after receiving the credit card.
4. Applicants should bring their ID card, credit card and card confirmation letter mailed with the card.
The interview is only to confirm the identity of the applicant, so the bank staff will ask some personal information of the applicant to make sure that you are the applicant himself.
A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
Card opening: Since the card is mailed after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.
After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.
What is the process of handling credit cards?
The credit card processing flow is as follows:
1. Handle the credit card at the bank branch.
(1) Fill in the credit card application form at the bank and submit personal certificates and other application materials. The application form should include all information such as income and position.
(2) Waiting for bank approval. In the credit card review stage, users can go to the bank official website to check the progress of credit card application.
(3) After the approval of the bank, the credit card will be sent to you by express delivery. If the audit fails, you will also receive information from the bank.
2. Apply for a credit card through the Internet.
(1) Find the bank official website you want to run, and click "Credit Card"-"I want to run a card".
(2) Select the credit card type and region you want to apply for, and then click "Apply Now".
(3) According to the required personal information, click "Next" and submit after confirmation.
(4) Wait for the bank's audit, and wait for the bank's express mail after the audit is passed.
Several colleagues in our office went to Kayu-plus two days ago, and the official WeChat account was approved directly. You can choose more than 20, and the convenient quota is also high.
What are the requirements for handling a credit card?
1, the age of the credit card applicant should be between 18-60 years old and be a legal citizen with full civil capacity in China;
2. The credit status of the credit card applicant shall be good, and there shall be no record of serious overdue repayment;
Credit card applicants should have a stable economic income.
Generally, users who meet the above conditions can apply for a credit card at the bank. However, if users want to apply for credit cards such as gold cards and special cards, they need to meet the special regulations of the bank. For example, if they want to apply for a gold card, their income must reach a certain amount before they can apply. Specific circumstances, users can directly ask the handling bank.
So much for the introduction of why credit cards should be signed.