What does it mean to ask for a signature on the back of a credit card?

The purpose of signing on the back of the card is to ensure the cardholder’s safety when using the card. Please be sure to sign. You are free to sign what you sign. Just remember how to sign. You signed the wrong thing when paying at a merchant. If so, the merchant may refuse to accept it. Of course, if your card has a transaction password set up, or it is a photo card, you can not sign it, but this will eliminate a layer of protection.

After signing, do not try to erase it in any way, otherwise the special paper in the signature area will peel off and the card will be invalid (it is very dangerous if the signature is so easy to modify, haha).

What are the functions of a credit card signature?

After applying for a credit card, you will sign your name on the back of the credit card. The personal signature on the credit card is a proof of acknowledging the transaction and agreeing to deduct the corresponding amount from your account. Let’s take a look at the functions of credit card signatures.

1. To ensure the safety of cardholders, some credit card purchases do not require entering a password, and only the cardholder's signature can be used to make purchases. The purpose of the signature is first to confirm that the cardholder is the cardholder, and secondly to show that the cardholder confirms the consumption. In order to ensure the safety of cardholders in China, a password input function has been added.

2. Customers have the right to initiate adjustments to the card issuing bank within 180 days. To put it simply, if the purchase was not made by the cardholder and the merchant is asked to provide a signed receipt, but the merchant cannot provide it, or after verification, the purchase form does not have the signature of the cardholder or the signature of a non-cardholder, the merchant can only Return to cardholder.

3. Ensure the amount of the card is swiped. When swiping the card, there is indeed a salesperson who maliciously enters an amount that is more than what was consumed. Therefore, asking customers to sign the POS form can provide an extra layer of protection and review it yourself.

4. Post-facto verification, for example, for merchants, if consumers have objections after consumption, for example, they think that the consumer's card has been swiped too much. The merchant can also produce a consumption receipt to prove that it is the consumption result signed and confirmed by the merchant, which can prove that the merchant has no responsibility.

The above is an introduction to the functions of credit card signatures. I hope it will be helpful to friends in need.

Why do you need to sign on the back of the credit card?

After receiving the credit card, you need to sign the signature on the back immediately; this is the cardholder’s signature sample, and the cashier needs to check it when making purchases in the future. Compare your signature on the receipt with the signature on the credit card when making a purchase. If they are consistent, the cashier can return the credit card to you. If they are inconsistent, there is a risk of fraudulent use, and the cashier has the right to report it to the relevant department for further processing. However, many cashiers usually fail to fulfill this responsibility. Once a problem occurs, the cashier must bear part of the responsibility.

Sometimes consumption signatures can also be used as legal evidence.

Why do I need to write my name on the back of my bank card?

The signature on the back of the card is the same as the card password, which also protects the owner's interests and security. Especially if the card is lost, it is important to check the signature.

Many credit cards do not have passwords, so signatures are more important. Because responsible consumption places will determine whether the user is the cardholder based on the signature of the document. If the credit card is lost, it will be easily detected if the name and signature on the back of the card are not attached.

Extended information:

Notes:

Sign in time. After receiving the bank card, you must immediately sign your name on the signature strip on the back of the card.

When making purchases with a card, when handing the bank card to the cashier, try to keep the bank card within your sight, and pay attention to the number of times the cashier swipes the card, and whether there are two copies of the purchase order. If there is an overlap, carefully check whether the amount and currency on the purchase order are correct.

Don’t always carry various bank cards with you. Leave them at home when not in use, and store them in other safe places when you are away from home for a long time.