My large hairy boyfriend with pigtails

[BBQ123]

If the merchant suspects fraud (ie... man with name of Jennifer and a photo on the card that isn't the person), they are supposed to do a CODE 10 authorization call.

 

If your card says "See ID" on the back, it is INVALID and the bank can hold you responsible for fraudulent use charges because you failed to uphold your end of the cardholder agreement. (However, what is more likely to happen, is they'll hold the merchant responsible for accepting the invalid card and then refund the charges to you at the merchant's expense.)

 

The U.S. Post Office knows the rules, and that's probably why the poster who can't use his unsigned card was told so. Unsigned cards are NOT VALID. Many of these cards actually say "Void if Not Signed" on the back.

[BBQ123]

Can the moderator / admin please move this over to the forum for these issues (there is a specific forum for issues about Visa/MasterCard/AmEx policy regarding ID showing, minimums, etc.) -

 

http://creditboards.com/forums/index.php?showforum=40

[encoder]

The good thing is that card "security" in this sense doesn't really affect you. Fraudulent charges? Two clicks to a chargeback. It's not a debit card, so you're fine as long as you dispute the items before you pay your bill.

 

The wonderful karmic quality of this is that those security features really should end up helping merchants a lot more than cardholders. They're the one that would eat the cost of that sandwich if you disputed it.

 

So they ignore secuirty benefits designed for their own protection.

[2Logical]

Most places just swipe and go, especially food services places. The only time I ever really see them compare signatures are on high priced electronics in retail stores.

[rastoma]

Mine says see id

 

I wrote it with a black sharpie

 

Then you have invalidated your credit card.

 

I'm not aware of any bank or financial institution or 'rule' that has ever said it's ok to put SEE ID on the back of a credit card.

[wow]

I still don't get how signing the back helps with the cardholder's security because you are basically giving away your signature. Anyone can attempt forgery once they know what it's supposed to look like by looking at the card. To me it's more secure if not signed and they ask for ID, then verify the sigs match.

 

The only place that I can say ALWAYS checks my ID, signature or not is The Real Cookie Company lol. There has never been a time when they didn't ask for it.

[encoder]

If you don't sign your card, you're violating your cardholder agreement.

 

If you lose it, and it's used for fraud, and the CC company recovers the card (maybe it gets confiscated from the fraudster by a merchant), the card company may hold you responsible for the charges.

 

Now, that's all a lil unlikely... if somebody does steal your card and use it, chances are the CC company will never know you never signed it. but if they found out, yeah, you'd be on the hook. And it could be a very expensive hook.

 

If they didn't want the card signed, they'd not put a signature panel.

 

If they wanted it to say "SEE ID", they'd put it there themselves.

[lightfxboy]

I still don't get how signing the back helps with the cardholder's security because you are basically giving away your signature. Anyone can attempt forgery once they know what it's supposed to look like by looking at the card. To me it's more secure if not signed and they ask for ID, then verify the sigs match.

 

The only place that I can say ALWAYS checks my ID, signature or not is The Real Cookie Company lol. There has never been a time when they didn't ask for it.

 

 

This is the same reason why I will NOT sign any of my CC's. I'm not giving a potential thief my signature. If a merchant wants my signature to prove that it is me, then I will be happy to show them my Federally Compliant Driver's License issued by my State. That way if fraud does happen, they will clearly see that the potential thief's signature and mmy signature doesn't match.

[breeze]

My first name (on my card) is Linda - when I was in the hospital, and my teenage nephew was here taking care of my Mom, I told him to use my card - he did. AT that time he wasn't old enough to drive, either, so he was riding to the store on my bike. He signed his own name, too. No one stopped him. I think, however, if the transactions had been in the hundreds of dollars, no one would have taken the card.

[BBQ123]

I still don't get how signing the back helps with the cardholder's security because you are basically giving away your signature. Anyone can attempt forgery once they know what it's supposed to look like by looking at the card. To me it's more secure if not signed and they ask for ID, then verify the sigs match.

 

The only place that I can say ALWAYS checks my ID, signature or not is The Real Cookie Company lol. There has never been a time when they didn't ask for it.

 

 

This is the same reason why I will NOT sign any of my CC's. I'm not giving a potential thief my signature. If a merchant wants my signature to prove that it is me, then I will be happy to show them my Federally Compliant Driver's License issued by my State. That way if fraud does happen, they will clearly see that the potential thief's signature and mmy signature doesn't match.

 

 

If your card isn't signed, the thief can sign it themselves and then signature will match quite well and you might have to pay fraud losses.

 

If you don't want to follow the rules set forth for credit card use/acceptance, then you should just waste money and spend cash.

[green2408]

The only merchant I've ever had decline a sale with an unsigned Visa/Mastercard is the United States Post Office. They will NOT accept any type of CC if it is not signed. You can only use your debit card unsigned when you use it as a debit card and have to input your pin number.

 

What is up with that? I've showed them my Driver's License with my signature on it for ID, and they still won't budge.

 

 

The USPS follows the credit card merchant agreement which stipulates that CC card not be accepted if it is not signed. The procedure calls for the merchant to call in a "code 10" and then make the customer sign the card in front of them, and then accept the card, but they don't have to do that.

[BBQ123]

Those who can't figure out how to sign their name should be forced to repeat the third grade (or whatever level you have to learn proficiency in writing.)

[hegemony]

Those who can't figure out how to sign their name should be forced to repeat the third grade (or whatever level you have to learn proficiency in writing.)