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Should You Sign the Back of Your Credit Card?


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53 replies to this topic

#1 hegemony

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Posted 13 April 2014 - 07:02 PM

Should You Sign the Back of Your Credit Card?

 

http://lifehacker.co...card-1558289863


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#2 mindcrime

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Posted 13 April 2014 - 07:14 PM

Interesting read, but doesn't make any mention of the type of pen you should be using.
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#3 hegemony

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Posted 13 April 2014 - 07:18 PM

I use a sharpy, any color but black.

 

I still laugh when I read about people who think writing "check ID" makes then safe®


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#4 moosetracks

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Posted 13 April 2014 - 07:37 PM

Hmm, interesting..


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#5 policebox

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Posted 13 April 2014 - 09:35 PM

When I worked retail, I always pissed customers off by following the rules.

  • I always compared sales receipt signatures to the signature on the back of the card.
  • I would not accept a card with "SEE ID" written on the signature panel, unless they produced an ID and then signed the card.

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#6 Fuerza

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Posted 13 April 2014 - 10:51 PM

I use a sharpy, any color but black.
 
I still laugh when I read about people who think writing "check ID" makes then safe®


I use a Sharpie also, I've noticed my new cards have color on the signature pad. My Fidelity Amex has red/green/white on the pad.


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#7 x2theone2x

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Posted 13 April 2014 - 10:55 PM

 

When I worked retail, I always pissed customers off by following the rules.

  • I always compared sales receipt signatures to the signature on the back of the card.
  • I would not accept a card with "SEE ID" written on the signature panel, unless they produced an ID and then signed the card.

 

 

I've never met anyone in my generation who had a consistent signature.


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#8 yrush

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Posted 13 April 2014 - 11:36 PM

If the card isn't signed or it says "SEE ID" the merchant can refuse the card since it is a violation of the merchant agreement. I had a card refused by the post office for this exact reason.


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#9 GR8WhiTE

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Posted 14 April 2014 - 12:04 AM

I use a sharpy, any color but black.

 

I still laugh when I read about people who think writing "check ID" makes then safe®

Wow....

 

Finally someone with a brain! The stupidest people put that "see id" crap and I just swipe it with out giving a crap.

 

You know what? No! I don't want to see your ID. Just give me your money!

 

Like the way you go to Walgreens or McDonalds and hand them the card or even swipe the card yourself and no one checks it. I don't want to check it either! I had an argument with a lady one time. This b!tch said to me "it's because of people like you that fraud is a big crime".  People are salamanders.


Edited by GR8WhiTE, 14 April 2014 - 12:04 AM.

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#10 virtualtreasure

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Posted 14 April 2014 - 02:06 AM

Fade-proof and water-resistant gel ink -check

but what is the purpose of using a color instead of a black sharpie?


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#11 policebox

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Posted 14 April 2014 - 02:17 AM

 

I use a sharpy, any color but black.

 

I still laugh when I read about people who think writing "check ID" makes then safe®

Wow....

 

Finally someone with a brain! The stupidest people put that "see id" crap and I just swipe it with out giving a crap.

 

You know what? No! I don't want to see your ID. Just give me your money!

 

Like the way you go to Walgreens or McDonalds and hand them the card or even swipe the card yourself and no one checks it. I don't want to check it either! I had an argument with a lady one time. This b!tch said to me "it's because of people like you that fraud is a big crime".  People are salamanders.

 

 

I agree with your overall sentiment. However, in none of the retails-type jobs I ever had (although there weren't many), I never received any training on accepting credit card payments, except for which button to press on the cash register to make the transaction go through. Any knowledge I had on the proper procedures of accepting credit cards, merchant agreements with Visa/MasterCard, etc. all came from personal reading and research I had done prior to having these jobs.

 

We really shouldn't be shocked that people are so poorly educated when it comes to banking and finances, considering as a culture (speaking as a citizen of the United States), we seem to place nearly no value in providing the education to our children, young adults, and even adults. People tend to get told what they should have done after the fact, when it's too late.


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#12 iH8cra

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Posted 14 April 2014 - 03:32 AM

I haven't signed the back of a credit card in probably 10 years.

 

The only people who have gotten huffy about it are the post office. 


Edited by iH8cra, 14 April 2014 - 03:33 AM.

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#13 moadikum

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Posted 14 April 2014 - 10:45 AM

"See ID" makes far more sense that relying on a signature to prove ownership. If someone has stolen your credit card, it's very easy to remove the signature - or in many cases - sign it yourself (if the owner hasn't signed it). It's far-less-likely that the thief has also forged a government-issued ID with your name on it.

 

I'm surprised people are so anti "See ID". I know it's not technically a legitimate signing-mechanism (since the card companies require your signature), but practically, it's fare more secure. 


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#14 TrevorHere

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Posted 14 April 2014 - 11:43 AM

"See ID" makes far more sense that relying on a signature to prove ownership. If someone has stolen your credit card, it's very easy to remove the signature - or in many cases - sign it yourself (if the owner hasn't signed it). It's far-less-likely that the thief has also forged a government-issued ID with your name on it.

 

I'm surprised people are so anti "See ID". I know it's not technically a legitimate signing-mechanism (since the card companies require your signature), but practically, it's fare more secure. 

Forking your DL over to a cashier is not secure...


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#15 clutchcargo

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Posted 14 April 2014 - 12:04 PM

Since I don't like handing my ID over to just anyone, and since I'm not liable for any fraudulent charges anyway, I sign the card.


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#16 foeplay

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Posted 14 April 2014 - 12:12 PM

I use a pink Hello Kitty pen to sign my cards.


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#17 rslifkin

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Posted 14 April 2014 - 12:19 PM

"See ID" makes far more sense that relying on a signature to prove ownership. If someone has stolen your credit card, it's very easy to remove the signature - or in many cases - sign it yourself (if the owner hasn't signed it). It's far-less-likely that the thief has also forged a government-issued ID with your name on it.
 
I'm surprised people are so anti "See ID". I know it's not technically a legitimate signing-mechanism (since the card companies require your signature), but practically, it's fare more secure. 


Fake ID, anyone? Out-of-state? Crooks can do convincingly this. Ans cashiers arent police, so, no, no ID from me, unless I am being detained.

Since I don't like handing my ID over to just anyone, and since I'm not liable for any fraudulent charges anyway, I sign the card.


+1 and :good:

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#18 moadikum

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Posted 14 April 2014 - 01:32 PM

 

"See ID" makes far more sense that relying on a signature to prove ownership. If someone has stolen your credit card, it's very easy to remove the signature - or in many cases - sign it yourself (if the owner hasn't signed it). It's far-less-likely that the thief has also forged a government-issued ID with your name on it.
 
I'm surprised people are so anti "See ID". I know it's not technically a legitimate signing-mechanism (since the card companies require your signature), but practically, it's fare more secure. 


Fake ID, anyone? Out-of-state? Crooks can do convincingly this. Ans cashiers arent police, so, no, no ID from me, unless I am being detained.

Since I don't like handing my ID over to just anyone, and since I'm not liable for any fraudulent charges anyway, I sign the card.


+1 and :good:

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Fake IDs can be made - but it's far easier to "fake sign" someone's name on a credit card. Which takes more effort - duplicating an authentic-looking fake ID, or signing someone's signature?

 

In the event someone steals your credit card (it dropped out of your wallet, etc), and they attempt to make some quick purchases before you notify the card company its been stolen - "See ID" would work far better than a signature. 


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#19 rslifkin

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Posted 14 April 2014 - 03:26 PM

 

"See ID" makes far more sense that relying on a signature to prove ownership. If someone has stolen your credit card, it's very easy to remove the signature - or in many cases - sign it yourself (if the owner hasn't signed it). It's far-less-likely that the thief has also forged a government-issued ID with your name on it.
 
I'm surprised people are so anti "See ID". I know it's not technically a legitimate signing-mechanism (since the card companies require your signature), but practically, it's fare more secure. 

Fake ID, anyone? Out-of-state? Crooks can do convincingly this. Ans cashiers arent police, so, no, no ID from me, unless I am being detained.

Since I don't like handing my ID over to just anyone, and since I'm not liable for any fraudulent charges anyway, I sign the card.

+1 and :good:

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Fake IDs can be made - but it's far easier to "fake sign" someone's name on a credit card. Which takes more effort - duplicating an authentic-looking fake ID, or signing someone's signature?
 
In the event someone steals your credit card (it dropped out of your wallet, etc), and they attempt to make some quick purchases before you notify the card company its been stolen - "See ID" would work far better than a signature. 

Not at places like the first busy fast food restaurant it wouldnt, as that is rapidly becoming the first place for a "test purchase," since you need a billing zip code for a gas station.

Cardholder agreements also forbid ID asking, making a great many stores in violation.

Really, asking ID more or less is a great tool for harassing a would-be customer.

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#20 rslifkin

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Posted 14 April 2014 - 03:29 PM

http://creditboards....howtopic=513547



#21 rslifkin

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Posted 14 April 2014 - 03:34 PM

Also. If you then said you wrote "See ID" on card and didnt sign it, wouldnt that invalidate your protections against fraudulent purchases?

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#22 mendelssohn

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Posted 14 April 2014 - 03:34 PM


 

"See ID" makes far more sense that relying on a signature to prove ownership. If someone has stolen your credit card, it's very easy to remove the signature - or in many cases - sign it yourself (if the owner hasn't signed it). It's far-less-likely that the thief has also forged a government-issued ID with your name on it.
 
I'm surprised people are so anti "See ID". I know it's not technically a legitimate signing-mechanism (since the card companies require your signature), but practically, it's fare more secure. 

Fake ID, anyone? Out-of-state? Crooks can do convincingly this. Ans cashiers arent police, so, no, no ID from me, unless I am being detained.

Since I don't like handing my ID over to just anyone, and since I'm not liable for any fraudulent charges anyway, I sign the card.

+1 and :good:

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Fake IDs can be made - but it's far easier to "fake sign" someone's name on a credit card. Which takes more effort - duplicating an authentic-looking fake ID, or signing someone's signature?
 
In the event someone steals your credit card (it dropped out of your wallet, etc), and they attempt to make some quick purchases before you notify the card company its been stolen - "See ID" would work far better than a signature. 
They are not valid unless signed. For example, read what MasterCard has to say about unsigned cards:

Edit: I can't get the link to post, but if you google "credit cards must be signed," MasterCard has a top search result that says an unsigned credit card is not valid and that merchants should not process transactions.

Edited by mendelssohn, 14 April 2014 - 03:37 PM.

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#23 johnr

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Posted 14 April 2014 - 03:49 PM

 

"See ID" makes far more sense that relying on a signature to prove ownership. If someone has stolen your credit card, it's very easy to remove the signature - or in many cases - sign it yourself (if the owner hasn't signed it). It's far-less-likely that the thief has also forged a government-issued ID with your name on it.

 

I'm surprised people are so anti "See ID". I know it's not technically a legitimate signing-mechanism (since the card companies require your signature), but practically, it's fare more secure. 

Forking your DL over to a cashier is not secure...

 

 

And how does the store know that the CASH you're paying with isn't a left-over of that $200 that the social security administration accidently overpaid your great-grandma 40 years ago that you somehow were the benefactor of and that the government isn't going to want it back?

 

hmmmmm.....


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#24 rslifkin

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Posted 14 April 2014 - 04:09 PM

 

"See ID" makes far more sense that relying on a signature to prove ownership. If someone has stolen your credit card, it's very easy to remove the signature - or in many cases - sign it yourself (if the owner hasn't signed it). It's far-less-likely that the thief has also forged a government-issued ID with your name on it.
 
I'm surprised people are so anti "See ID". I know it's not technically a legitimate signing-mechanism (since the card companies require your signature), but practically, it's fare more secure. 

Forking your DL over to a cashier is not secure...
 
 
And how does the store know that the CASH you're paying with isn't a left-over of that $200 that the social security administration accidently overpaid your great-grandma 40 years ago that you somehow were the benefactor of and that the government isn't going to want it back?
 
hmmmmm.....

Cash is sub-prime.

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#25 despair808

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Posted 14 April 2014 - 04:12 PM

Just had mine rejected by the Post Office cause of no signiature...lol


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