How to clear the signature pen on the back of the credit card?

It is best not to clear it. If you must clear it, you can try it with an eraser;

According to international practice, credit cards Cardholders are required to sign. Although banks currently do not require cardholders to sign, they generally recommend cardholders to sign when applying for a card. As a standard credit card consumption usage rule, according to internationally accepted standards, consumption requires a signature. Therefore, overseas, if the cardholder does not sign on the back of the card, the cashier cannot verify the signature, which will affect the cardholder's normal consumption.

According to relevant regulations, the cardholder must sign on the back after the credit card is opened. In foreign countries, the common practice is for the cardholder to pay with his or her signature. in the country, many consumers are accustomed to using passwords. Although the password can protect the security of the funds in the card, as the number of credit card uses increases, the risk of password leakage increases accordingly. After the credit card and password are lost, checking the signature on the back of the credit card becomes the last resort to protect the security of the card owner's credit card. barrier.

At the same time, when swiping a card for consumption, if the cashier finds that the signature does not match the signature on the credit card during the signature verification process, he has the right to cancel the purchase and refuse to sell the goods, which can help to a certain extent. Avoid causing losses to the owner.

In addition, in addition to verifying the "back signature" of the credit card when swiping the card for consumption in the mall to ensure the security of the card owner's credit card, when the cardholder withdraws money from the bank's ATM machine, if there is a problem with the machine and the card is swallowed, the bank will not When personnel cannot verify the identity of the person involved, they can also check the signature on the back of the bank card with the signature on the registration book, and use this as a basis to handle card refunds and other services.

How to remove the signature on the back of a bank card

Spend a few dollars to buy a bottle of hydrogen peroxide and use a cotton swab to wet the signature strip of the bank card to erase the signature.

1. First, put away your bank card.

2. Wet the bank card signature with a cotton swab and then wipe it off.

You can also directly wipe off the layer of white paper at the signature of the bank card to make the entire card more uniform and beautiful, but it is recommended not to wipe it off.

The reasons are as follows:

1. The signature strip of a bank card is generally a specially processed "vulnerable" design. After being scraped with a knife or smeared with a word eraser, the underlying signature strip will be revealed. English "invalid" characters are easily misunderstood. Salary cards are generally debit cards. When using an ATM or swiping a card at a POS, you only need a password. What you write in your signature is not very important.

Solution:

1. If you really don’t like it, you can cancel the card and apply for a new one, then report the new card to the finance department and ask them to update it. Generally, the cost of production is 10 yuan to 20 yuan.

Extended information

Uses of signature on the back of bank card:

1. Sign as soon as you remove the card

Be sure to sign on the new card When signing, it is best to use a ballpoint pen or gel pen. If you sign a card after using it for a period of time, there will already be a layer of oil on the surface, and it will still be erased even if it is signed.

2. Avoid too neat signatures

Currently, many merchants do not check signatures, but consumers should establish a good awareness of credit card security, the signature on the back of the credit card, and the font. It is best to keep your signature consistent with your usual signature, and avoid using fonts that are too neat, as they can be easily imitated by criminals.

3. The signature cannot be altered

The signature on the credit card cannot be altered, otherwise the signature will be invalid. If you accidentally sign the wrong card, the best way is to apply for a new card from the bank. In addition, most banks will also remind you to use a ballpoint pen to sign when applying for a card to prevent the signature from being blurred.

4. There is no signature on the back of the credit card, which will also affect overseas consumption

The signature on the back of the credit card is a guarantee of consumption security and is as important as the password. Different from China, there is generally no need to use a password abroad. In some specific occasions, consumption can be made with the verification code behind it. Therefore, if the cardholder does not back-sign, it will affect the use of the card abroad. Normal consumption.

5. The card has been swallowed by an ATM and can be retrieved with a signature

When the cardholder withdraws money from a bank ATM machine, if there is a problem with the machine and the card is swallowed, the bank staff will When the identity of the owner cannot be verified, the signature on the back of the bank card can also be checked with the signature on the registration book, and this can be used as a basis to handle the card refund business.

How can I remove the signature on the back of the bank card?

You can use alcohol, eraser or get a sticker to stick it on.

The importance of the signature on the back of the credit card:

The signature strip on the back of the credit card needs to be signed. It is not for ease of finding. Most credit cards do not have a password when making purchases. When you go to check out, you give the card to the salesperson and swipe the money on the POS machine and the money is deducted. There is no need to enter a password during the checkout. At this time, the signature becomes more important.

The responsible salesperson will check whether the signature note on the receipt is consistent with the signature strip on the back of the credit card when the customer signs the POS receipt. After the credit card is lost, if it has been stolen, you can apply for a chargeback. At this time, the bank will check the signature on the POS slip and the signature left by the cardholder in the signature column of the credit card application form. If there is obvious inconsistency, then you can apply for a chargeback. success.

In order to prevent chargeback failure after the credit card is stolen, please sign your name on the signature strip after getting the credit card. Note that the signature must be consistent with the signature on the credit card application form. , and the signature should not be too printed, as that can easily be imitated. As for the debit card that cannot be overdrawn, it does not matter if the signature strip is empty. Because that type of card consumption requires verification of passwords.

Extended information:

Any unit or individual who has any of the following circumstances will be dealt with in accordance with the "Criminal Law of the People's Republic of China" and relevant regulations:

2. Forging or altering bank cards;

3. Malicious overdrafts;

4 , using bank cards and their equipment to defraud bank funds.

If a foreign-funded financial institution operates credit card acquiring business without authorization, the People's Bank of China shall order it to make corrections and impose penalties in accordance with the relevant provisions of the "Regulations on the Administration of Foreign-funded Financial Institutions".

Representative offices of non-financial institutions and financial institutions operating bank card business shall be banned by the People's Bank of China in accordance with the law.