Not according to the law.

one: if you don't sign it, you can call the customer service phone of the bank, and the bank will help you adjust the bill. If it is verified that there is no pos bill, the money can be returned to the account. There is no need to worry about this situation, because sometimes there is a problem with data transmission, which occasionally happens. As long as there is no bill and no signature, it should be verified. The next time there is an outstanding bill, contact the bank as soon as possible to see if it has been debited, because there is a time limit for the bill transfer. Legally speaking, the consumption is legal only if the password and signature are available, and the lack of one is the illegal operation of the income banker.

Second, according to the relevant requirements of China UnionPay, in order to ensure the safety of cardholders' card use, users holding credit cards must sign their names on the back of their cards. According to the relevant regulations, after the cardholder swipes the card, the merchant must carefully check whether the name on the bank card is consistent with the signature of the cardholder. If it is inconsistent, the transaction can be cancelled or the bill can be adjusted to deny it. If the merchant does not follow the requirements, it may affect the transaction fund settlement of the cardholder. If the cardholder has any objection to the transaction amount listed in the clearing account or bill, he can raise it through the issuing bank, and the issuing bank will apply to the acquiring bank for bill adjustment. For the unsigned consumption, the cardholder has the right to deny the transaction. "For the bank card transaction, it is best to sign for confirmation to ensure the transaction safety.

1. A credit card, also called a debit card, is a credit certificate issued by a commercial bank or credit card company to qualified consumers. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit. The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the CreditCard standard is Credit Card.

second: credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the BillingDate. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which cardholders have a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.