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Why do people sign the back of their CC?

Established Contributor

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. 

 

 

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TU Fico 626



Message 1 of 53
52 REPLIES
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 53
Valued Contributor

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
Message 3 of 53
Valued Contributor

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
Message 4 of 53
Senior Contributor

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

Message 5 of 53
Regular Contributor

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: 806 | EQ: 775 | EX: 805

Message 6 of 53
Mega Contributor

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. 

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Message 7 of 53
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 8 of 53
Valued Contributor

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
Message 9 of 53
Valued Contributor

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 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 10 of 53