4 ms·
For Visa, the merchant should require your card to be signed because a card with no signature is invalid. Other credit card companies are probably the same. >
by Mindless2112 9y ago
For Visa, the merchant should require your card to be signed because a card with no signature is invalid. Other credit card companies are probably the same.
> Unsigned Cards
> 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 a different signed Visa card
> “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.
https://usa.visa.com/dam/VCOM/download/merchants/card-acceptance-guidelines-for-merchants.pdf https://usa.visa.com/dam/VCOM/download/merchants/card-accept...
- marssaxman 9y agoI stopped signing credit cards several years ago, as an experiment; how long will it take someone to notice? I'm still waiting.
- spydum 9y agoSame here but I have had maybe 3 out of several thousands of transactions where the cashier asked to see my id because it wasn't signed.. The signature generally smears off after a few weeks anyways.
- scbrg 9y agoThey check in certain countries. I live in Sweden, but recently started to travel to Taiwan regularly. I never signed my card in Sweden, but I've been asked to sign it in Taiwan. Funnily enough, I have been refused to pay a hotel bill with my unsigned card, since the clerk couldn't verify the signature. So he had me - in front of his eyes - first sign my card, then sign the bill, and then he double checked that the signatures were identical (which they're not - my signatures always come out different).
- __david__ 9y agoHa. I stopped doing this in 1993. I only had one person every complain, a cashier at CompUSA in 1994-ish. He wouldn't accept it until I signed the back of the card so I wrote "Please check ID" instead of signing it. He was fine with that.
- jamiethompson 9y agoI never do either. It happened to me last year. Possibly only because the guy was a trainee and was literally going by the book though.
- kstrauser 9y agoI worked the night shift at a hotel in college. I turned down a "SEE ID"-signed card once, where the guy started the transaction with "hey loser, got a room?" to amuse his girlfriend. Turns out that's an excellent way to get me to be nitpicky about the rules.