Can I apply for a credit card without my signature?

No.

According to the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

Article 38 The card-issuing bank shall publicly and clearly inform the applicant of the application materials and basic requirements that need to be submitted. The application materials must It must be signed by the applicant himself, and no card may be issued without the customer's knowledge or against the customer's wishes.

The credit card supplementary card application materials accepted by the card-issuing bank must be confirmed by the main cardholder's personal signature, customer service phone recording, electronic signature, or a method mutually recognized by the cardholder and the card-issuing bank.

Therefore, banks must sign in person when applying for credit cards for customers!

When I apply for a credit card at a gas station and I don’t sign at the end, does it take effect?

Applying for a credit card without signing will not take effect.

Application conditions for personal credit cards:

1. Age requirements: Domestic residents must be between 18 and 65 years old, and foreigners must be between 25 and 65 years old;

2. Job requirements: Have a stable job, income and fixed residence;

3. Credit requirements: No bad credit record. Applicants for supplementary cards must be the parents, spouse or children of the primary cardholder and be between the ages of 16-65.

Does the back of a credit card have to be signed? Here is the correct answer for you

In the important notice column of the card issuance form of many bank credit cards, there will be a message "This card is for personal use only. Please sign in the signature column on the back of the card." However, many cardholders often only remember that the card can only be used by themselves, but simply ignore the endorsement of the credit card. In fact, the signature on the back of the credit card is very important, so everyone must remember to sign it. If you don’t know why you need to sign, let’s find out together.

Does the back of a credit card have to be signed?

As mentioned before, it is very necessary. Here we will introduce the importance of credit card endorsement.

1. Failure to sign will affect overseas consumption

Many people often use credit cards to make purchases when traveling overseas. If there is no signature on the back of your credit card, the purchase may be refused.

You must know that consumption abroad is different from domestic consumption. We can use passwords to make transactions domestically, but this does not work overseas. Domestic consumption transactions are based on signatures, and merchants must rely on your signature. Verify signature. If the credit card signature and back signature do not match, the merchant has the right to cancel the purchase and refuse to sell the goods, otherwise it may pursue you for trouble.

2. The card that has been swallowed by the ATM can be retrieved with the back signature

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 staff will If the identity of the owner cannot be verified, you 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 refund and other services. However, not all banks are suitable. This mainly depends on the bank.

In addition, credit card endorsement can also avoid the risk of overseas theft. In overseas shopping malls, salespersons will check whether the signature is consistent with the signature when swiping the card. If the credit card is stolen because the salesperson did not carefully check the signature, the credit card will be stolen. , then the risk of fraudulent use will be borne by the merchant, and if the credit card is not endorsed, then the risk of fraudulent use will have to be borne by the cardholder.

It can be seen that the security of the signature on the back of the credit card and the transaction password are equally important. Friends who have not signed on the back of the credit card should hurry up and sign!

What will happen if you apply for a credit card without going to the bank to sign?

The main purpose of the bank requiring customers to go to a business outlet for an interview is to verify the identity of the applicant and confirm whether it is the cardholder who applied for it. Only after passing the interview can the user activate and use the credit card normally. If you do not go to the interview within the validity period, the bank will treat it as automatically giving up the credit card application, and the user will not be able to re-apply for a credit card through online channels for a period of time (usually 90 days). However, if you pass the initial credit card review and do not go for an interview, it will not have a big impact on your personal credit report, nor will it affect the processing of other financial services.

Nowadays, many people apply for credit cards online. If you are applying for a first-time card, you will inevitably have to go for an interview. Some banks will issue the card after passing the initial review, and some will require an interview before applying. Card. If it is the latter, you will receive a text message and go to the branch to confirm, which is actually asking for an interview.

The purpose of the interview is actually for the bank staff to confirm the applicant from two aspects. One is to verify the original valid ID document and compare it with the photo to confirm that it is the person applying for the card, and the other is to review the application form by asking questions. Confirm the authenticity of the information. Finally, the applicant is asked to sign the application form, indicating that the applicant agrees to abide by the relevant regulations of the credit card contract.

If you don’t want it anymore, you don’t have to go to the interview. Usually banks will stipulate a confirmation period. If they do not go to the branch to confirm in time, the staff will not be able to verify the applicant's information face-to-face and confirm that he or she is applying for the card. The card will not be issued. It also means that the user has voluntarily given up the application. If later If you want to continue applying, you need to wait for a while, usually around 90 days. Furthermore, if the user chooses to give up during the credit card interview stage, it will leave a bad impression on the bank, which may affect the approval rate of the next card application.

In general, the credit card interview is to verify the identity of the person applying for the card. Generally speaking, it is mainly aimed at users who apply for a new card online. Although you may not be able to apply for the card by going to the branch for confirmation, it is better than There is still a chance whether I can get up to confirm how much. Of course, if you don’t want a credit card after passing the preliminary review, you don’t need to confirm it, but the editor still recommends waiting until you really need it before applying for a credit card. After all, a credit card approval query record will be left on the credit report. .

Can I use my credit card to make purchases without signing?

1. If it is used in China and the password consumption function is enabled, you do not need to sign because you pay with your password. 2. If you use a credit card to pay without password, the bank requires you to sign on the back of the card. (If you do not sign, when someone else uses the credit card to make a purchase, the funds may not be recovered, and the cardholder will be responsible for the consequences.) 3. Since you cannot pay with a password abroad, all purchases abroad require a signature. In order to use the card For security, please sign the back of your credit card. 4. When the amount of stolen funds is found to be large, you can report the case to the public security agency (if you don’t get a signature in the future, it will be stolen), the inspection agency will determine the sentence according to the criminal law: stealing other people’s credit cards belongs to the category of credit card crimes, and credit card crimes are under the criminal law of our country. One of the prescribed financial crimes. Among them, credit card crimes account for about 60% of all financial crime cases. 5. Article 196 of the "Criminal Law" lists several situations that constitute credit card crimes, including the act of "pretending to use another person's credit card". Stealing other people's credit cards and using the credit card to make purchases in the name of the card holder without the card holder's consent or authorization is a typical "impersonation of other people's credit cards." Article 196 of the Criminal Law stipulates that anyone who engages in credit card activities under one of the following circumstances and the amount is relatively large shall be sentenced to 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, A fine of not less than 50,000 yuan but not more than 500,000 yuan shall be imposed; if the amount is particularly huge or there are other particularly serious circumstances, the fine shall be not less than 50 years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan. Or confiscate property: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identification; (2) Using an expired credit card; (3) Pretending to use another person’s credit card; (4) Malicious overdraft.

This is the end of the introduction about not signing the credit card and what will happen if the credit card is not signed. Have you found the information you need?