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