Banks require customers to sign, because in some places, if you swipe your card, it depends on whether your card is signed to prevent theft and you don't swipe your card yourself.

Is it okay if the credit card is not signed? This will reduce the loss.

A card friend left a message asking such a question, is it okay not to sign a credit card? So, do you know if you should sign a credit card? Today, I specially compiled this article and introduced it to you in detail. Do you want to sign your credit card?

Is it okay if the credit card is not signed? If it is used in China and the password consumption function is enabled, you can pay by password without signature.

However, the risk of not signing a credit card is also great, as shown below:

1. If the credit card is used for confidential payment, the bank requires that it must be signed on the back of the card. If it is not signed, the funds may not be recovered when others use the credit card fraudulently, and the consequences will be borne by the cardholder;

When spending abroad, you can only do it according to your signature. In other words, if you don't sign it, your credit card can't be used abroad;

Signing your name on the back of the credit card can not only reveal personal information, but also prevent the card from being stolen. When the card is stolen, if the merchant does not check the signature, the responsibility lies with the merchant. If there is no signature, the responsibility lies with the cardholder;

Nowadays, the incidents of stolen credit cards are endless. Signing on the back of a credit card can provide additional security. Why not? Introduction,

You can handle all kinds of credit cards safely and quickly.

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 you can't 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, you can report it 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, which 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, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.

Do I have to sign a credit card?

The signature strip on the back of a credit card does not have to be signed, but it is more beneficial for the cardholder to sign. According to the regulations, the signature strip on the back of a credit card must be signed before it can be used normally. The requirement for signature in domestic credit card use is not very strict, mainly depending on whether the password is correct.

Bankers reminded 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. You can swipe your card without signing on the back of it. The name of the credit card consumption sign is subject to the name on the application form.

Extended data:

As far as credit cards are concerned, if they are lost, the risk is limited:

1, the cardholder can call the customer service number of the bank, then this credit card will be reported lost and will not be stolen again. At the same time, at present, some banks provide some zero-risk protection in reporting loss, that is, banks will pay for reporting loss before reporting loss;

2. The people found can only spend money to buy a Pose machine, which means shopping is the main thing. China Merchants Bank, including other banks, needs to set a password at the counter or ATM if it wants to withdraw money from credit cards. This password is sent to the customer by the bank in the form of a password letter, and there is no default password.

3. In addition, if the cardholder finds that the credit card has been stolen, he can file an account dispute with the bank. As long as the signature on the documents received by the bank when swiping the card is inconsistent with the signature of the cardholder when handling the card, he can assume that the transaction is not conducted by the cardholder. This procedure is a bit cumbersome, but it is a powerful measure to ensure the rights and interests of cardholders. Although the cashier's signature checking procedure in China seems to be not in place at present, cardholders can still raise disputes based on their signatures.