The cardholder's signature on a credit card can be torn off, and the torn card is invalid.

The benefits of signing on the back of a credit card to the cardholder are as follows:

1, the consumption is more convenient, so you don't have to worry about entering the wrong password, you can't settle the account, and you can't do the transaction.

2. With the signature, you can get back the card that was eaten by the ATM.

3. The merchant has the responsibility to verify the signature, and the bank also bears the liability for compensation for the theft of the credit card, so once the credit card is stolen, the consumer can get compensation from the bank or the merchant.