Does anybody actually sign the back of their credit cards?
November 25, 2019 10:12PM
Yes, and it's a pretty good idea. Signing your card means merchants have something to check the signature on the receipt against, which is supposed to be a key security step.
The reasoning against signing a credit card is usually that if your card gets stolen, the thief has an example to follow if they want to forge your signature. Some people will write "See ID" in the signature slot instead, hoping that message will prompt store clerks to ask to see the scoundrel's ID before ringing up the sale, thus blocking any fraudulent purchases.
This, however, is a flawed scheme at best. For one, lots of stores don’t check the back of the card, especially with the rise of self checkout machines. So that "See ID" message is probably not going to foil any scams. Additionally, thieves rarely take the time to practice their penmanship, so if you signed the back of your card and contest a fraudulent charge, their phony signature is pretty easy to spot.
And besides, you're probably in violation of the card’s terms of service if it’s not signed. Visa, for example, advises merchants who actually check that "an unsigned card is considered invalid and should not be accepted."
So yeah, lots of people sign their credit cards, and it’s generally a good practice.