cancel
Showing results for 
Search instead for 
Did you mean: 

Why do people sign the back of their CC?

Valued Contributor

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

I never sign the back of any of my cards. Once in a while, I will meet some cashiers who try to have me sign it.

Message 31 of 53
Super Contributor

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

When you look at how we purchase today, many times we slide the card ourselves or pass it in front of a pay pass or equal equipment and no one sees the card. In fact other than my drug store I slide my card virtually 100% of the time myself. Many good points in this post. Chip and Pin will supposedly make us more secure. Hmm....
Starting Score: 802
Current Score: 821
Goal Score: 850


Take the myFICO Fitness Challenge
Message 32 of 53
Regular Contributor

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

"See ID" or the other more clever, "CID" is not valid.

Merchants are required to follow the same procedures as if signature is not present.

 

And also:

"...merchants cannot as part of their regular card acceptance procedures refuse to complete a purchase transaction because a cardholder refuses to provide ID."

 

So... sign your cards, people.

And don't throw a fit when merchants refuse your silly little "See ID" thing;

They're required and ought to refuse the transaction until the card is signed properly.

 

Source: http://usa.visa.com/download/merchants/card-acceptance-guidelines-for-visa-merchants.pdf

Message 33 of 53
Valued Contributor

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


Shogun wrote:

Yes, it does say that if the card is "NOT" signed, then they must ask for identification.  But this is the rest of the process according to the Mastercard Merchant agreement.

 

804.2.1 Unsigned Cards

If a card is presented to a Merchant and is not signed, the merchant must:

 

1. Obtain an authorization from the issuer,

 

2.  Ask the Cardholder to provide identification (but not record the Carholder Identification Information) and,

 

3.  Require the Cardholder to sign the card.

 

The Merchant must NOT complete the transaction if the cardholder refuses to sign the card.

 

 

To me, this is pretty cut and dry as to why people sign the back of their cards.

 

 



In total agreement! 

 

AND...contrary to what was stated before about "most people don't sign"...I think that's incorrect, for the very reason above.  The vast majority of Americans, who don't frequent message boards and forums about credit, follow the T&C of their credit cards, and sign the cards.  It's like any other law or rule that affects MOST Americans.  MOST of us abide by the rule/regulation/law. 

EX = 849 EQ = 850 TU = 850 as of 07/2017
Retired and Retiring Cards!
Message 34 of 53
Moderator Emeritus

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

From Visa's Merchant Agreement.

 

While checking card security features, you should also make sure that the card
is signed . An unsigned card is considered invalid and should not be accepted . If
a customer gives you an unsigned card, the following steps must be taken:


• Check the cardholder’s ID . Ask the cardholder for some form of official
government identification, such as a driver’s license or passport . Where
permissible by law, the ID serial number and expiration date should be
written on the sales receipt before you complete the transaction

.
• Ask the customer to sign the card . The card should be signed within your full
view, and the signature checked against the customer’s signature on the ID .
A refusal to sign means the card is still invalid and cannot be accepted . Ask
the customer for another signed Visa card .


• Compare the signature on the card to the signature on the ID .
The words “Not Valid Without Signature” appear above, below, or beside the signature panel on
all Visa cards

.
“See ID” Some customers write “See ID” or “Ask for ID” in the signature panel, thinking
that this is a deterrent against fraud or forgery; that is, if their signature is not on
the card, a fraudster will not be able to forge it . In reality, criminals often don’t
take the time to practice signatures . They use cards as quickly as possible after a
theft and prior to the accounts being blocked . They are actually counting on you
not to look at the back of the card and compare signatures; they may even have
access to counterfeit identification with a signature in their own handwriting .
In this situation, follow recommended steps listed above under Unsigned Cards

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 35 of 53
Moderator Emeritus

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

Again from Visa Merchant Agreement

 

When should you ask a cardholder for an official government ID? Although Visa
rules do not preclude merchants from asking for cardholder ID except in the
specific circumstances discussed in this guide, merchants cannot make an ID
a condition of acceptance . Therefore, merchants cannot as part of their regular
card acceptance procedures refuse to complete a purchase transaction because
a cardholder refuses to provide ID . It is important that merchants understand
that the requesting of a cardholder ID does not change the merchant’s liability
for chargebacks . However, it can slow down a sale and annoy the customer . In
some cases, it may even deter the use of the Visa card and result in the loss of
a potential sale . Visa believes merchants should not ask for ID as part of their
regular card acceptance procedures . Laws in several countries also make it
illegal for merchants to write a cardholder’s personal information, such as an
address or phone number, on a sales receipt .
If you are suspicious about the transaction or feel you need additional
information to ensure the identity of the cardholder, make a Code 10 call

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 36 of 53
Frequent Contributor

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

The signature is the most important thing. The same way as when you are at the closing table buying real estate property for example. You may present your ID and that is fine but if you don't sign that contract you are not going to close on that deal.

So again, I don't understand why it's so hard to sign the card and abide by the agreement ?

Message 37 of 53
Moderator Emeritus

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

If the merchant goes by the correct process of accepting cards.  Then they will refuse it if not signed.  

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 38 of 53
Valued Member

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

Personally I'm surprised they even bother with signatures anymore. No one ever checks them and instead ask for ID which is a violation of their merchant agreement.

 

In fact I recently got multiple notifications from my Australian bank that signatures are being phased out and very soon all Australian credit cards will be chip and PIN only (following most European countries who have been this way for a while).

 

As always the US will lag behind but signatures haven't been relevant for quite a while. My CSP is chip and signature with no PIN functionality coming any time soon which is a shame.


    FICO: EQ: 749 | EX: 754 | TU: 776    FAKO: EQ+: 728 | EX+: 728, EX CS: 787 | TU+: 737, TU CK: 754    Gardening until 1/31/2014
Message 39 of 53
Valued Contributor

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


k84 wrote:

Personally I'm surprised they even bother with signatures anymore. No one ever checks them and instead ask for ID which is a violation of their merchant agreement.

 

In fact I recently got multiple notifications from my Australian bank that signatures are being phased out and very soon all Australian credit cards will be chip and PIN only (following most European countries who have been this way for a while).

 

As always the US will lag behind but signatures haven't been relevant for quite a while. My CSP is chip and signature with no PIN functionality coming any time soon which is a shame.


Yes.  As you stated, since there is diversity in the the way merchants handle this entire scenario (sign/don't sign), the relevency of a signature is in question.  However, as Shogun pointed out, it's the agreement that we, the consumers sign by acceptance and use of the card, and the agreement between the card issuer and the merchant.  And until this changes in some way, then to NOT sign is violating the T&C. 

 

The truly effective way for the USA to NOT lag behind, is for consumers across the board, requesting...even demanding...that their card issuer go to an exclusive Chip and Pin system.  The card issuers and banks can't say "it can't be done", when the rest of the world not only does it, but does it well.  If we as consumers, start to contact our card issuers with requests for Chip & Pin, and we continue to do so on a consistent basis, my guess is that, one of the major players will take the ball and run with it, and start issuing Chip & Pin cards de riguer.  My other guess would be that AMEX or Discover would be the likely candidates to lead the charge on this.  A dream, I know!

 

Chip and Pin would make the whole sign/don't sign discussion moot !

EX = 849 EQ = 850 TU = 850 as of 07/2017
Retired and Retiring Cards!
Message 40 of 53