Reply
Established Contributor
Posts: 653
Registered: ‎10-01-2013

Why do people sign the back of their CC?

I've never had an actual credit card, but I've had 3-4 debit cards. Never signed the back of any of them.

 

Never has a blank back been an issue either. 

 

 

Farm and Fleet $3,000 (AU) Paypal Extras MC $1,500
Barclay's Apple Visa $1,200 QVC Qcard $800
Amazon Store Card $600 Discover $500
Walmart MC $400 Victoria's Secret $350
Credit One $300 Fingerhut $200
TU Fico 626



Moderator
Posts: 13,892
Registered: ‎04-15-2011

Re: Why do people sign the back of their CC?

Most of the time, the signing the back of the card is actually included in the cardmember agreement.  So not signing it is a violation of said agreement.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
Posts: 1,569
Registered: ‎11-10-2012

Re: Why do people sign the back of their CC?

I sign the back of mine because there is a chance that someone will catch a signature discrepancy. It is not likely, but without that it is 0% likely.



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Valued Contributor
Posts: 1,569
Registered: ‎11-10-2012

Re: Why do people sign the back of their CC?


Shogun wrote:

Most of the time, the signing the back of the card is actually included in the cardmember agreement.  So not signing it is a violation of said agreement.


interesting point



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Senior Contributor
Posts: 3,528
Registered: ‎01-19-2009

Re: Why do people sign the back of their CC?

And also the merchant agreement they are suppose to match the signature on the back with your receipt, however I no longer sign my cards either LOL since there not signed the post office makes me show ID, and a couple merchants

New Contributor
Posts: 111
Registered: ‎11-12-2013

Re: Why do people sign the back of their CC?

I never sign the back of my cards...I've always been told it can make it easier to have fraudulent charges made since someone can copy your signature then. I either leave it blank or put CID in the signature box. However, I've found that no one actually ever asks me for ID to verify my identity.


FICO - TU: 752 | EQ: 757 | EX: 740
Chase Freedom Visa Signature: $7k | Amex BCE: $9.8k | Amex Corporate: NPSL | Discover it: $6.5k | Sears MasterCard: $3k | Barclays Visa Financing (Apple): $2k
Started Gardening: 03/05/2014 | In the Garden 'til: 03/05/2016 | Goal: 750 across the board, all inquires off my CRs
Mega Contributor
Posts: 16,747
Registered: ‎08-08-2011

Re: Why do people sign the back of their CC?

Also a security issue. It amazes me why people don't want to follow card agreement for their own security. 

Moderator
Posts: 13,892
Registered: ‎04-15-2011

Re: Why do people sign the back of their CC?

Once again, the showing of ID is not required and they cannot deny the charge for lack of providing ID.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012

Re: Why do people sign the back of their CC?


coldnmn wrote:

Also a security issue. It amazes me why people don't want to follow card agreement for their own security. 


There is a school of thought, as mentioned by earlier poster, that the signing of the back of the card actually lessens your security as it provides would be thiefs with access to your signature to copy.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,963
Registered: ‎03-30-2012

Re: Why do people sign the back of their CC?

I sign in fine point blue Sharpie so it doesn't fade like my signature did on my debit card.

Scores 5/13/2014: TU FICO: 639 | EQ FICO: 645| EX AMEX FICO: TBD

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $2500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1600 | Target: $700 | J.Crew $9950
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.