DawgTalkers.net Forums DawgTalk K-9 Consensus Do you sign the back of your credit cards?

Print Thread

Page 1 of 2

Do you sign the back of your credit cards?

#736963 12/02/12 10:33 PM

Joined: Sep 2006

Posts: 9,955

SW Ohio

DawgMichelle Offline

Hall of Famer

DawgMichelle

Hall of Famer

Joined: Sep 2006

Posts: 9,955

SW Ohio

#gmstrong #gmlapdance

Re: Do you sign the back of your credit cards? DawgMichelle #736964 12/02/12 10:50 PM
Joined: Sep 2006 Posts: 9,955 SW Ohio DawgMichelle OP Hall of Famer
OP DawgMichelle Hall of Famer Joined: Sep 2006 Posts: 9,955 SW Ohio	And...if you leave it blank or write SEE ID on the plate...what do you feel you are protecting? #gmstrong #gmlapdance

Re: Do you sign the back of your credit cards? DawgMichelle #736965 12/02/12 11:29 PM
Joined: Jan 2010 Posts: 12,065 ThatGuy Legend
ThatGuy Legend Joined: Jan 2010 Posts: 12,065	I don't think it matters, if you lose it, it's likely anyone that uses it isn't going to use the card itself, just the Number. Am I the only one that pronounces hyperbole "Hyper-bowl" instead of "hy-per-bo-le"?

Re: Do you sign the back of your credit cards? ThatGuy #736966 12/03/12 10:44 AM
Joined: Sep 2006 Posts: 17,027 16 spots ahead of Tom Brady S Spergon FTWynn Legend
Spergon FTWynn Legend S Joined: Sep 2006 Posts: 17,027 16 spots ahead of Tom Brady	Quote: I don't think it matters, if you lose it, it's likely anyone that uses it isn't going to use the card itself, just the Number. This. Sometimes I sign them, sometimes I don't. I have had fraud happen to me twice in the last few months. Once on my debit/bank card, and once on one of my credit cards. Both times the charges were made out west. Luckily both my bank and credit card company made it really easy for me to file an affidavit and get credited my money back. People who do that stuff are morons. They're stealing from the wrong person. If you're going to do that, do it to someone who actually has money, lol.

Re: Do you sign the back of your credit cards? ThatGuy #736967 12/03/12 10:47 AM
Joined: Sep 2006 Posts: 9,955 SW Ohio DawgMichelle OP Hall of Famer
OP DawgMichelle Hall of Famer Joined: Sep 2006 Posts: 9,955 SW Ohio	Yes, if someone wants to use a stolen card for purchases online, they need some basic info (billing address) and should be good to go. My question was more about YOUR unsigned cards than stolen cards. I am presented with several unsigned cards (or SEE ID cards) per day and am getting tired of explaining the situation. I am not supposed to accept that card as payment and that really seems to tick people off. It says right on the card -- NOT VALID UNLESS SIGNED. What is so hard to understand? The most interesting "reason" has been "my bank told me not to sign it". WHAT?!?! #gmstrong #gmlapdance

Re: Do you sign the back of your credit cards? DawgMichelle #736968 12/03/12 11:26 AM
Joined: Sep 2006 Posts: 8,704 TopDawg16 Hall of Famer
TopDawg16 Hall of Famer Joined: Sep 2006 Posts: 8,704	It doesn't matter, if someone steals my info, it's not like there's ever any money in there for them to take

Re: Do you sign the back of your credit cards? DawgMichelle #736969 12/03/12 11:28 AM
Joined: Oct 2006 Posts: 17,024 Las Vegas R Rishuz Legend
Rishuz Legend R Joined: Oct 2006 Posts: 17,024 Las Vegas	Just out of curiosity what does the signature do? I don't sign my cards ... mainly out of laziness. I don't quite get what the point is. If I sign because that makes the card valid ... it still doesn't mean that I'm the guy presenting the card at the time of payment. LOL - The Rish will be upset with this news as well. KS just doesn't prioritize winning...

Re: Do you sign the back of your credit cards? TopDawg16 #736970 12/03/12 11:31 AM
Joined: Oct 2006 Posts: 17,024 Las Vegas R Rishuz Legend
Rishuz Legend R Joined: Oct 2006 Posts: 17,024 Las Vegas	Quote: It doesn't matter, if someone steals my info, it's not like there's ever any money in there for them to take Even with all that money you make on sports betting? LOL - The Rish will be upset with this news as well. KS just doesn't prioritize winning...

Re: Do you sign the back of your credit cards? Rishuz #736971 12/03/12 11:33 AM
Joined: Sep 2006 Posts: 8,704 TopDawg16 Hall of Famer
TopDawg16 Hall of Famer Joined: Sep 2006 Posts: 8,704	Not this year lol. I'm pretty much breaking even this year. I'm up like $100 on the year. Awful year.

Re: Do you sign the back of your credit cards? Rishuz #736972 12/03/12 11:37 AM
Joined: Sep 2006 Posts: 9,955 SW Ohio DawgMichelle OP Hall of Famer
OP DawgMichelle Hall of Famer Joined: Sep 2006 Posts: 9,955 SW Ohio	If the signature on the card matches the signature on the slip, a merchant can consider it a good transaction. If the card says SEE ID or is blank, it isn't a valid card (per my merchant agreement with MC/VISA/DISCOVER) and I should not accept it as payment. And, while I have done a lot of research on this subject, it's not really about the customer anymore. It's about me, the merchant. If I accept an unsigned/see id card, the customer has the right to dispute those charges...and guess who eats them? This also brings up another pet peeve of mine....merchants asking for ID when presented with a signed card. It's against the rules they agreed to with the big 3. THAT is probably a riskier move for the card holder than leaving a card BLANK. #gmstrong #gmlapdance

Re: Do you sign the back of your credit cards? DawgMichelle #736973 12/03/12 11:40 AM
Joined: Oct 2006 Posts: 17,024 Las Vegas R Rishuz Legend
Rishuz Legend R Joined: Oct 2006 Posts: 17,024 Las Vegas	I would think the best way to prevent fraud is to make sure a picture ID matches the name on the card. Those cards they came out with a few years ago with the picture on them seemed like a great idea, but I don't see them around and have never personally been offered one. As for the signature, my signature is never the same. I have terrible penmanship. I'd probably get turned down because my signature on card and on the slip don't match. LOL - The Rish will be upset with this news as well. KS just doesn't prioritize winning...

Re: Do you sign the back of your credit cards? Rishuz #736974 12/03/12 11:41 AM
Joined: Sep 2006 Posts: 9,955 SW Ohio DawgMichelle OP Hall of Famer
OP DawgMichelle Hall of Famer Joined: Sep 2006 Posts: 9,955 SW Ohio	Quote: If I sign because that makes the card valid ... it still doesn't mean that I'm the guy presenting the card at the time of payment. Right....which is why we SHOULD sign our cards the minute we get them. If Joe Smith steals your unsigned card and signs your name in his writing it will match the signature slip every time. I wouldn't check anything more on that sale -- per my merchant rules. If Joe Smith steals your SIGNED card and tries to use it is more likely to be caught. I check signatures on every sale. If he can't sign your name like you do, I will ask for ID. If his ID says Joe Smith instead of Mr. Rishuz, I make a call. #gmstrong #gmlapdance

Re: Do you sign the back of your credit cards? Rishuz #736975 12/03/12 11:42 AM
Joined: Sep 2006 Posts: 9,955 SW Ohio DawgMichelle OP Hall of Famer
OP DawgMichelle Hall of Famer Joined: Sep 2006 Posts: 9,955 SW Ohio	I am not allowed to ask for picture ID if the slip and card match. #gmstrong #gmlapdance

Re: Do you sign the back of your credit cards? Rishuz #736976 12/03/12 11:43 AM
Joined: Sep 2006 Posts: 50,543 YTown, Ohio YTownBrownsFan Legend
YTownBrownsFan Legend Joined: Sep 2006 Posts: 50,543 YTown, Ohio	My scribble always matches. Micah 6:8; He has shown you, O mortal, what is good. And what does the Lord require of you? To act justly and to love mercy, and to walk humbly with your God. John 14:19 Jesus said: Because I live, you also will live.

Re: Do you sign the back of your credit cards? YTownBrownsFan #736977 12/03/12 11:49 AM
Joined: Sep 2006 Posts: 9,955 SW Ohio DawgMichelle OP Hall of Famer
OP DawgMichelle Hall of Famer Joined: Sep 2006 Posts: 9,955 SW Ohio	People often shorten their name when signing a slip, but you can still tell it's their signature. Also, I find the signed slip a funny thing...it's only used in case of dispute. Nobody but me ever sees them and I have to save them in a safe. When I sign my name (at my store) I put an X on the slip simply because it will never be seen again. #gmstrong #gmlapdance

Re: Do you sign the back of your credit cards? YTownBrownsFan #736978 12/03/12 11:51 AM
Joined: Sep 2006 Posts: 9,955 SW Ohio DawgMichelle OP Hall of Famer
OP DawgMichelle Hall of Famer Joined: Sep 2006 Posts: 9,955 SW Ohio	In case anyone really cares about this...and we should...here's some info. It's a quick read.... Should you sign your credit card? #gmstrong #gmlapdance

Re: Do you sign the back of your credit cards? DawgMichelle #736979 12/03/12 12:06 PM
Joined: Sep 2006 Posts: 28,217 River Styx PrplPplEater Legend
PrplPplEater Legend Joined: Sep 2006 Posts: 28,217 River Styx	Quote: And...if you leave it blank or write SEE ID on the plate...what do you feel you are protecting? The person checking the card should then be checking the name on the card against the name on the license with the picture of ME on it. If things don't match up, they should be rejecting the card (and hopefully calling the Po-Po). Browns is the Browns ... there goes Joe Thomas, the best there ever was in this game.

Re: Do you sign the back of your credit cards? PrplPplEater #736980 12/03/12 12:24 PM
Joined: Sep 2006 Posts: 9,955 SW Ohio DawgMichelle OP Hall of Famer
OP DawgMichelle Hall of Famer Joined: Sep 2006 Posts: 9,955 SW Ohio	I'm sorry, that is incorrect. As the merchant, if your card is signed and matches the slip, it's a good sale. If your card is not signed, you are supposed to sign it in front of me. Only then may I ask for ID. And this is part of the problem I have in trying to inform people of the rules the merchant must follow...everyone is told something different. Forget the facts. #gmstrong #gmlapdance

Re: Do you sign the back of your credit cards? DawgMichelle #736981 12/03/12 12:40 PM
Joined: Oct 2006 Posts: 17,850 N no_logo_required Legend
no_logo_required Legend N Joined: Oct 2006 Posts: 17,850	Quote: If your card is not signed, you are supposed to sign it in front of me. Only then may I ask for ID. i always find this humorous. i don't sign my CC until i am asked to do it in a checkout line. i then sign the card and make the purchase. as for the signature itself, those electronic card readers with the stylus pen have made signatures so impossible to keep consistent (as each screen seems to behave differently) that i doubt a signature can protect as it once may have in court. #gmstrong

Re: Do you sign the back of your credit cards? no_logo_required #736982 12/03/12 12:56 PM
Joined: Sep 2006 Posts: 9,955 SW Ohio DawgMichelle OP Hall of Famer
OP DawgMichelle Hall of Famer Joined: Sep 2006 Posts: 9,955 SW Ohio	Yes, agreed. Those electronic things are nuts! I'm sticking to a physical signature in this discussion. #gmstrong #gmlapdance

Re: Do you sign the back of your credit cards? no_logo_required #736983 12/03/12 12:57 PM
Joined: Sep 2006 Posts: 9,955 SW Ohio DawgMichelle OP Hall of Famer
OP DawgMichelle Hall of Famer Joined: Sep 2006 Posts: 9,955 SW Ohio	Quote: i don't sign my CC until i am asked to do it in a checkout line. But...why? #gmstrong #gmlapdance

Re: Do you sign the back of your credit cards? DawgMichelle #736984 12/03/12 01:03 PM
Joined: Oct 2006 Posts: 17,850 N no_logo_required Legend
no_logo_required Legend N Joined: Oct 2006 Posts: 17,850	Quote: Quote: i don't sign my CC until i am asked to do it in a checkout line. But...why? well, most of the places I go do check for the signature and I find it funny to sign it directly in front of them. it's usually a day or two after getting a new card before I have to do it. and, I find it humorous to do so, and I need the little things in life to make me laugh #gmstrong

Re: Do you sign the back of your credit cards? no_logo_required #736985 12/03/12 01:15 PM
Joined: Sep 2006 Posts: 9,955 SW Ohio DawgMichelle OP Hall of Famer
OP DawgMichelle Hall of Famer Joined: Sep 2006 Posts: 9,955 SW Ohio	Okay, then. #gmstrong #gmlapdance

Re: Do you sign the back of your credit cards? no_logo_required #736986 12/03/12 01:21 PM
Joined: Sep 2006 Posts: 8,704 TopDawg16 Hall of Famer
TopDawg16 Hall of Famer Joined: Sep 2006 Posts: 8,704	This is weird to me. My card is not signed. I've never been asked for ID, I've never been asked to sign my card. This goes for any card I've had since I was 18 years old (I'm 25 now). I didn't realize this actually happened to people lol.

Re: Do you sign the back of your credit cards? DawgMichelle #736987 12/03/12 02:22 PM
Joined: Sep 2006 Posts: 40,399 DCDAWGFAN Legend
DCDAWGFAN Legend Joined: Sep 2006 Posts: 40,399	Quote: If Joe Smith steals your unsigned card and signs your name in his writing it will match the signature slip every time. I wouldn't check anything more on that sale -- per my merchant rules. If Joe Smith steals your SIGNED card and tries to use it is more likely to be caught. Joe Smith made a lot of money in the NBA, I hope he isn't to the point of needing to steal credit cards... signed or unsigned. yebat' Putin

Re: Do you sign the back of your credit cards? TopDawg16 #736988 12/03/12 04:15 PM
Joined: Oct 2006 Posts: 13,882 ~30 Miles NW of Chicago, IL Punchsmack Legend
Punchsmack Legend Joined: Oct 2006 Posts: 13,882 ~30 Miles NW of Chicago, IL	Quote: It doesn't matter, if someone steals my info, it's not like there's ever any money in there for them to take +1 "He owes how much? Damn, maybe I'll deposit a little to help him." “...Iguodala to Curry, back to Iguodala, up for the layup! Oh! Blocked by James! LeBron James with the rejection!”

Re: Do you sign the back of your credit cards? DawgMichelle #736989 12/04/12 07:04 AM
Joined: Sep 2006 Posts: 27,402 ohio GMdawg Legend
GMdawg Legend Joined: Sep 2006 Posts: 27,402 ohio	Time for all lazy folks to start using good old fashion CASH again. I AM ALWAYS RIGHT... except when I am wrong.

Re: Do you sign the back of your credit cards? GMdawg #736990 12/04/12 08:57 AM
Joined: Jan 2010 Posts: 12,065 ThatGuy Legend
ThatGuy Legend Joined: Jan 2010 Posts: 12,065	Quote: Time for all lazy folks to start using good old fashion CASH again. I rarely carry money. Am I the only one that pronounces hyperbole "Hyper-bowl" instead of "hy-per-bo-le"?

Re: Do you sign the back of your credit cards? ThatGuy #736991 12/04/12 10:09 AM
Joined: Jan 2007 Posts: 2,936 Medina, OH B Browns Lifer Hall of Famer
Browns Lifer Hall of Famer B Joined: Jan 2007 Posts: 2,936 Medina, OH	x2 I rarely have cash on hand. Has nothing to do with being lazy. I see no need for it really. [color:"white"]"Never argue with a fool, onlookers may not be able to tell the difference." -- Mark Twain [/color]

Re: Do you sign the back of your credit cards? Browns Lifer #736992 12/05/12 05:38 AM
Joined: Sep 2006 Posts: 27,402 ohio GMdawg Legend
GMdawg Legend Joined: Sep 2006 Posts: 27,402 ohio	Lazy was a poor choice of words. Chalk it up as old man thinking I hardly ever use credit or debt cards. Drives me nuts to see people holding up the line while they buy a pack of gum and use a credit or debt card to pay for it Most of us old folks pay cash for just about everything. I AM ALWAYS RIGHT... except when I am wrong.

Re: Do you sign the back of your credit cards? GMdawg #736993 12/05/12 10:01 AM
Joined: Sep 2006 Posts: 50,543 YTown, Ohio YTownBrownsFan Legend
YTownBrownsFan Legend Joined: Sep 2006 Posts: 50,543 YTown, Ohio	Hold up the line nothing ....... I carry almost no cash on me anymore ...... and I'd much rather be in line behind someone swiping a card than to be behind someone digging for those last couple of pennies that they "know I have in here somewhere ........." Credit/debit card transactions are almost instantaneous anymore. Most places don't even make you sign for under $25-$50 anymore. The only thing I miss is the confused look on a cashier's face if she/he puts the wrong amount of money in as the amount tendered ..... then needs a computer to figure out how much change I get back. Micah 6:8; He has shown you, O mortal, what is good. And what does the Lord require of you? To act justly and to love mercy, and to walk humbly with your God. John 14:19 Jesus said: Because I live, you also will live.

Re: Do you sign the back of your credit cards? DawgMichelle #736994 12/05/12 06:10 PM
Joined: Sep 2006 Posts: 10,246 brownsfansince79 Legend
brownsfansince79 Legend Joined: Sep 2006 Posts: 10,246	I can count on one hand (that's up to 5, GM) the number of times in the last year that someone has actually looked at the back of my credit card when I use it. Most of the time I use it is at the grocery store, getting gas, etc. I am unfamiliar with this feeling of optimism

Re: Do you sign the back of your credit cards? YTownBrownsFan #736995 12/06/12 12:18 AM
Joined: Sep 2006 Posts: 27,402 ohio GMdawg Legend
GMdawg Legend Joined: Sep 2006 Posts: 27,402 ohio	LMAO come on down south bro. The only people digging for pennies are your dates all over 80 years old. In the last two days I have stood behind somebody paying for a pack of gum, one small bag of chips, and a six pack of beer, and guess what. One lady had to swipe her damn card 6 times before it registered. One guy had to swipe his worn out card five times to pay for his damn pack of gum, and the other lady had to swipe her card three times, and yes all three of them also had to sign a receipt. I AM ALWAYS RIGHT... except when I am wrong.

Re: Do you sign the back of your credit cards? GMdawg #736996 12/06/12 01:32 AM
Joined: Jan 2010 Posts: 12,065 ThatGuy Legend
ThatGuy Legend Joined: Jan 2010 Posts: 12,065	Was this at a gas station? They always seem to make me sign the receipt if I go in and get stuff. Walmart however never seems to. That's only if I forget to do Debit, which is what I usually do anyways. I always hate when I get gas as credit, and it stays on my account as 1.00 for like 3-4 days. Cause I tend to forget.. Had a couple small overdrafts because of it... Am I the only one that pronounces hyperbole "Hyper-bowl" instead of "hy-per-bo-le"?

Re: Do you sign the back of your credit cards? GMdawg #736997 12/06/12 01:32 AM
Joined: Sep 2006 Posts: 50,543 YTown, Ohio YTownBrownsFan Legend
YTownBrownsFan Legend Joined: Sep 2006 Posts: 50,543 YTown, Ohio	I have swiped my credit or debit card once for probably 245 of my last 250 or so purchases. I almost never pay cash anymore, and I can't remember the time I had trouble swiping my card. (If I am uying something for a buck or less, then I will pay cash) I have just gotten used to not carrying around much cash with me, and I like it. I cannot lose, misplace, or have stolen money I don't have in my possession. If someone steals my wallet, I alert Discover and the bank debit card hotline and I limit any potential losses. No one can use my card as a debit card without getting really lucky and figuring out the PIN # before I can call the bank. As far as cards go .......I do hate getting stuck behind people with the food stamp card ...... especially in certain stores where they have to have a CSM come over and run the transaction. That takes entirely too much time ..... but it has nothing to do with a credit or traditional debit card. Micah 6:8; He has shown you, O mortal, what is good. And what does the Lord require of you? To act justly and to love mercy, and to walk humbly with your God. John 14:19 Jesus said: Because I live, you also will live.

Re: Do you sign the back of your credit cards? YTownBrownsFan #736998 12/06/12 01:36 AM
Joined: Jan 2010 Posts: 12,065 ThatGuy Legend
ThatGuy Legend Joined: Jan 2010 Posts: 12,065	Quote: As far as cards go .......I do hate getting stuck behind people with the food stamp card ...... especially in certain stores where they have to have a CSM come over and run the transaction. That takes entirely too much time ..... but it has nothing to do with a credit or traditional debit card. WIC checks are even worse. They take forever. And as some one who has used them before. It's not any more fun being the person using them... Am I the only one that pronounces hyperbole "Hyper-bowl" instead of "hy-per-bo-le"?

Re: Do you sign the back of your credit cards? ThatGuy #736999 12/06/12 01:49 AM
Joined: Sep 2006 Posts: 50,543 YTown, Ohio YTownBrownsFan Legend
YTownBrownsFan Legend Joined: Sep 2006 Posts: 50,543 YTown, Ohio	Those green things? I got stuck behind a young couple with tons of stuff in their cart, and they seemed to have a voucher for each item. The cashier told me that I should go ahead and go to another line because this was going to take quite a while. She was right. I moved to another line, and was the 3rd person in line. I finished checking out in that line before the cashier in my original line finished up with the people she was waiting on. Micah 6:8; He has shown you, O mortal, what is good. And what does the Lord require of you? To act justly and to love mercy, and to walk humbly with your God. John 14:19 Jesus said: Because I live, you also will live.

Re: Do you sign the back of your credit cards? YTownBrownsFan #737000 12/06/12 03:45 AM
Joined: Jan 2010 Posts: 12,065 ThatGuy Legend
ThatGuy Legend Joined: Jan 2010 Posts: 12,065	It's "no ones" fault really. It's just a bad system. I've cashed them for a Gallon of Milk, a Dozen eggs, and Bread, (all on one check) and still took like 5-10 minutes.. Last edited by OSGuy; 12/06/12 03:45 AM. Am I the only one that pronounces hyperbole "Hyper-bowl" instead of "hy-per-bo-le"?