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Frequent Contributor
Peach8321
Posts: 274
Registered: ‎12-31-2008
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Signing your card

Hi all, a little off topic but something I am curious about....

 

On another website, people were saying how they never sign the back of their card and, at best, will put "Please See ID" but that some people even refuse to show their ID.  All these people said it was never a problem using the card.

 

Has anyone here done that or are y'all like me...and sign the card?  Do you think it matters who the card is owned by?

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Senior Contributor
laz98
Posts: 4,336
Registered: ‎09-06-2008
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Re: Signing your card

i used to put please see id on the my cards...now i don't even do that.  90% of people don't check it anyway.  never been declined.
Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Super Contributor
DI
Posts: 5,744
Registered: ‎01-28-2008
0

Re: Signing your card

I never signed the back of any of my cards.  Most of the time, I swipe my card myself.  Those who works in retail and other establishments, that handles credit cards, are not concerned about your card being signed.  Signing the receipt is all that matters to them.
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Uborrow-Upay
Posts: 2,708
Registered: ‎10-16-2008
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Re: Signing your card


Peach8321 wrote:

Hi all, a little off topic but something I am curious about....

 

On another website, people were saying how they never sign the back of their card and, at best, will put "Please See ID" but that some people even refuse to show their ID.  All these people said it was never a problem using the card.

 

Has anyone here done that or are y'all like me...and sign the card?  Do you think it matters who the card is owned by?


Peach8321, there's several posts (as part of another thread, found here) concerning the whole signing the card/showing ID thing.  You might be interested in seeing those.

 

I do sign my cards, but I won't show ID. 

 

As far as issuers are concerned, I don't know... but the merchant may insist on a signed card, like the Post Office in my town does...no siggy, no stamps..no exceptions.

 

 

 

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laz98
Posts: 4,336
Registered: ‎09-06-2008
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Re: Signing your card


Uborrow-Upay wrote:

Peach8321 wrote:

Hi all, a little off topic but something I am curious about....

 

On another website, people were saying how they never sign the back of their card and, at best, will put "Please See ID" but that some people even refuse to show their ID.  All these people said it was never a problem using the card.

 

Has anyone here done that or are y'all like me...and sign the card?  Do you think it matters who the card is owned by?


Peach8321, there's several posts (as part of another thread, found here) concerning the whole signing the card/showing ID thing.  You might be interested in seeing those.

 

I do sign my cards, but I won't show ID. 

 

As far as issuers are concerned, I don't know... but the merchant may insist on a signed card, like the Post Office in my town does...no siggy, no stamps..no exceptions.

 


i believe on another thread someone said visa & mc state that showing ID cannot be required in order to complete a purchase...in other words, they can't refuse your sale if you refuse to show ID.  i doubt that it really works out that way, though.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
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haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
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Re: Signing your card

My understanding is that a merchant can refuse your card if you haven't signed, and they can't ask for ID.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Regular Contributor
idmd
Posts: 194
Registered: ‎09-18-2009
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Re: Signing your card


haulingthescoreup wrote:
My understanding is that a merchant can refuse your card if you haven't signed, and they can't ask for ID.
That's funny. I just got back from the local Shaw's supermarket and they have signs everywhere stating, "ALL credit card purchases over $100 require I.D. check - NO EXCEPTIONS"
They're laminated signs that look like they're from corporate. If so it's interesting that a large grocery chain doesn't understand their contract with the CCC. 

 

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haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
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Re: Signing your card

I think one of the links posted earlier on this thread went back to a long, wrangling discussion about this a year or so ago.

As I understand it, Visa and MC forbid asking for additional ID, and supposedly you can rat out merchants who try to do so. I can see both sides of the issue --if a store were genuinely looking out for me by asking for additional ID, I wouldn't mind. But since the typical 17-year-old gum-snapper rarely even glances at the back of my cards, much less compares the signature there to the one I produce at check-out, I don't get any warm fuzzies from the idea of the store providing an extra layer of security.

My guess is that the CCC's have fraud recovery built in as a cost of doing business, and it's cheaper to fix it after it happens than to deal with irate customers who were declined at the register.

In fact, I've always begged people to reject my driver's license as not looking like me, but unfortunately, they seem to find a match. :smileytongue:
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Senior Contributor
O6
Posts: 3,626
Registered: ‎10-13-2009
0

Re: Signing your card


haulingthescoreup wrote:
I think one of the links posted earlier on this thread went back to a long, wrangling discussion about this a year or so ago.

As I understand it, Visa and MC forbid asking for additional ID, and supposedly you can rat out merchants who try to do so. I can see both sides of the issue --if a store were genuinely looking out for me by asking for additional ID, I wouldn't mind. But since the typical 17-year-old gum-snapper rarely even glances at the back of my cards, much less compares the signature there to the one I produce at check-out, I don't get any warm fuzzies from the idea of the store providing an extra layer of security.

My guess is that the CCC's have fraud recovery built in as a cost of doing business, and it's cheaper to fix it after it happens than to deal with irate customers who were declined at the register.

In fact, I've always begged people to reject my driver's license as not looking like me, but unfortunately, they seem to find a match. :smileytongue:

Yes, you can "rat out" merchants who ask for ID or who have minimum / maximum amounts they will accept with card payments.  I have ratted out several and apparently Visa / MasterCard / AmEx does take swift and effective action.

IAALBNYL
Established Contributor
Posts: 739
Registered: ‎06-30-2007
0

Re: Signing your card

measter card  has an online form to report merchant violations most of my cards a visa , so i have to do it the hard way
People say "Only apply for credit you NEED"

I say "apply for credit you have PRATICAL use of"

I don't have AMEX card because I don't want a card that suffers from PMS

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