New Credit Card no longer have signature on the back
New Credit Card no longer have signature on the back
I got a replacement credit card today and notice that it no longer has a place in the back where they add a signature. Is there a reason why this has gone away? Is it due to wide adoption of chip?
Re: New Credit Card no longer have signature on the back
Yes, due to the chip. Even before, I never had anyone ask or look at it.
Re: New Credit Card no longer have signature on the back
In the past 10 years, I have never had a cashier check for the signature on the back of the card. It's pointless at time I guess.
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Re: New Credit Card no longer have signature on the back
In the US it is still common to hand the card to a cashier or waiter. However, I cannot remember the last time anyone ever looked at the signature on the cardUpperNwGuy wrote: ↑Sat Aug 13, 2022 10:42 amCashiers no longer handle the card. The customer inserts it into the card reader.
Re: New Credit Card no longer have signature on the back
Many places don't even have cashiers. Even our local/regional gas-mart has replaced all but one "cashier" with self checkout. There is one who will take the people who still use currency but that line is usually a very long wait at busy times.
Local Walmart is the same. One cashier.
Don't trust me, look it up. https://www.irs.gov/forms-instructions-and-publications
Re: New Credit Card no longer have signature on the back
I use Apple Pay when it is available. I think that is even more secure than chip and PIN but I'm sure there are others who have more technical knowledge to confirm that. It is a bit quicker than jamming the card in and having the chip read.
Don't trust me, look it up. https://www.irs.gov/forms-instructions-and-publications
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Re: New Credit Card no longer have signature on the back
Maybe it is common in Texas, but not here in the northeast. Even in grocery stores and drug stores, the card reader stands apart from the cash register and faces the customer, not the cashier. Restaurants are a different story.BobTexas wrote: ↑Sat Aug 13, 2022 10:44 amIn the US it is still common to hand the card to a cashier or waiter. However, I cannot remember the last time anyone ever looked at the signature on the cardUpperNwGuy wrote: ↑Sat Aug 13, 2022 10:42 amCashiers no longer handle the card. The customer inserts it into the card reader.
Re: New Credit Card no longer have signature on the back
This has happened for a while now as signatures are no longer necessary.
https://www.mybanktracker.com/credit-ca ... ses-275769
https://www.mybanktracker.com/credit-ca ... ses-275769
Re: New Credit Card no longer have signature on the back
I think most “signatures” at cash registers etc resemble a line with a few squiggles these days, so trying to “match” the signature to one on the card is a futile form of identity security. I imagine a PIN number would be better
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Re: New Credit Card no longer have signature on the back
I haven't signed the back of my credit cards in like forever.
Re: New Credit Card no longer have signature on the back
There is a difference between PIN priority for validation and other validations. It is extremely difficult to find a PIN priority card from a US bank or credit union. Such methods are standard in some other countries.
Some information is here: https://docs.adyen.com/point-of-sale/ca ... on-methods
See also CVM List: https://www.openscdp.org/scripts/tutori ... ation.html
Re: New Credit Card no longer have signature on the back
I haven't been to many restaurants since the pandemic (one, one time) and didn't know if that was still typical. It's surprising that the hand-the-card-over practice hasn't gone away.BobTexas wrote: ↑Sat Aug 13, 2022 10:44 amIn the US it is still common to hand the card to a cashier or waiter. However, I cannot remember the last time anyone ever looked at the signature on the cardUpperNwGuy wrote: ↑Sat Aug 13, 2022 10:42 amCashiers no longer handle the card. The customer inserts it into the card reader.
Re: New Credit Card no longer have signature on the back
dbr wrote: ↑Sat Aug 13, 2022 11:10 amThere is a difference between PIN priority for validation and other validations. It is extremely difficult to find a PIN priority card from a US bank or credit union. Such methods are standard in some other countries.
Some information is here: https://docs.adyen.com/point-of-sale/ca ... on-methods
See also CVM List: https://www.openscdp.org/scripts/tutori ... ation.html
Bummer I was hoping to use the pin on next trip to canada
Re: New Credit Card no longer have signature on the back
Only one restaurant I frequent never requires a signature on American Express cards. Every other place still requires it. I kind of think that in 200 years, those around will still be waiting for every place to use the chip and no signatures rather than swipe the card Or maybe everyone will be using ApplePay.
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Re: New Credit Card no longer have signature on the back
I find it somewhat unsettling that the terminal says "Signature Approved" when I make my squiggle. --vtMaps
"Truly, whoever can make you believe absurdities can make you commit atrocities" --Voltaire, as translated by Norman Lewis Torrey
Re: New Credit Card no longer have signature on the back
I know a person who carefully developed a squiggle that they allege is in fact their legal signature. I will grant they are skilled at reproducing exactly that squiggle on demand. Then again it could be "X, his mark."
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Re: New Credit Card no longer have signature on the back
DH's signature has never looked like anything using any type of alphabet at all. I can sort of recognize it from two usual (but not always) big "swirls" embedded within, and that's it.
"Checking signatures" wasn't particularly useful even several decades ago.
Starting in late 60's/early 70's, I started printing in large caps in that place where one is supposed to sign,
"CHECK PHOTO ID" (and this was in a thick black ink).
Cashiers/clerks/etc., would frequently turn the card over and appear to look at the signature.
For many years, those "cashier" types always performed very well indeed when they turned the card over to "inspect and match" the signature to what I had just signed on the receipt.
It was approximately 20 or 30 years ago when ONE cashier finally (!) looked at that supposed sample signature when "comparing" my scribblings on the receipt with the back of the card and seemed surprised. She then looked at me and asked to see a photo ID.
Once. Ever.
Where was it that such careful security was finally followed? Nope, not a nice jewelry purchase or some other shopping spree...
It was as I was leaving an underground parking garage in Downtown Metro, and the charge was less than $10.
Of course, as others have pointed out, in recent years, it's pretty rare for a "cashier type" to ever touch the card at all.
RM
This signature is a placebo. You are in the control group.
Re: New Credit Card no longer have signature on the back
Not only no signature block, but I've got two cards which don't even have numbers on them, just my name. The numbers, if you need them, can be found in the corresponding app.
Last edited by Fclevz on Sat Aug 13, 2022 12:38 pm, edited 1 time in total.
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Re: New Credit Card no longer have signature on the back
Does your signature on a touch screen payment processing device match the signature on the back of the card closely enough that someone actually could use the signature on the back to distinguish you from a fraudster?
Last edited by Northern Flicker on Sat Aug 13, 2022 12:39 pm, edited 1 time in total.
Re: New Credit Card no longer have signature on the back
I haven't signed the back of the card for at least 10 years and nobody cared.
Re: New Credit Card no longer have signature on the back
It was only a matter of time. Kids/young adults now a days don't even know how to sign their name. Only learned print.
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Re: New Credit Card no longer have signature on the back
Same, maybe longer.
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Re: New Credit Card no longer have signature on the back
I've got one such card, the Apple Card. What others are there?
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Re: New Credit Card no longer have signature on the back
In the US, maybe 1 out of 20 people bother to look at the signature.
If you use your card elsewhere, particularly in Europe, it's probably like 1 out of 2. So it does matter there.
Not sure about this new breed of cards - but ive received new issuances of US cards recently, and while they are chipped (have been for a long time), they still have signature field.
If you use your card elsewhere, particularly in Europe, it's probably like 1 out of 2. So it does matter there.
Not sure about this new breed of cards - but ive received new issuances of US cards recently, and while they are chipped (have been for a long time), they still have signature field.
Re: New Credit Card no longer have signature on the back
The other joke is "signing" on the pad at the grocery. It makes no difference what you put there.
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Re: New Credit Card no longer have signature on the back
I had a friend in high school and college who once showed me a printed receipt where in the signature box at the terminal he had sketched a drawing of a stick figure shooting a bird in a tree (he enjoyed dove hunting). Sale went through no problem.
Re: New Credit Card no longer have signature on the back
I've had two cashiers check the signature. One had me sign a piece of paper, and they visually compared them. Unfortunately, it was 5 yrs ago, and I cant remember the vendor.
The other told me I had forgotten to sign it , and asked me to sign it right then.
The other told me I had forgotten to sign it , and asked me to sign it right then.
Re: New Credit Card no longer have signature on the back
You’re supposed to sign the back of a credit card?
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Re: New Credit Card no longer have signature on the back
Yeah, that's really helpful.
Your signature when you sign it again right after should then be a terrific match.
Good to see security at work!
Would have been nice if they had asked to see your drivers license or such...
RM
This signature is a placebo. You are in the control group.
Re: New Credit Card no longer have signature on the back
I write "SEE ID" in the signature block. In last five years, I have been asked for it once.
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Re: New Credit Card no longer have signature on the back
As mentioned people rarely compare. I don’t believe writing check ID is binding in any way for the store. I sign mine so in case I lose it, somebody can’t sign it and then use their hand writing as proof of my signature. As also mentioned this is all weak and eventually going away
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Re: New Credit Card no longer have signature on the back
I also do this. I have, however, had much better luck with clerks actually asking for my ID when they swipe the card (perhaps 1 in 10).ResearchMed wrote: ↑Sat Aug 13, 2022 12:34 pm
DH's signature has never looked like anything using any type of alphabet at all. I can sort of recognize it from two usual (but not always) big "swirls" embedded within, and that's it.
"Checking signatures" wasn't particularly useful even several decades ago.
Starting in late 60's/early 70's, I started printing in large caps in that place where one is supposed to sign,
"CHECK PHOTO ID" (and this was in a thick black ink).
Cashiers/clerks/etc., would frequently turn the card over and appear to look at the signature.
For many years, those "cashier" types always performed very well indeed when they turned the card over to "inspect and match" the signature to what I had just signed on the receipt.
It was approximately 20 or 30 years ago when ONE cashier finally (!) looked at that supposed sample signature when "comparing" my scribblings on the receipt with the back of the card and seemed surprised. She then looked at me and asked to see a photo ID.
Once. Ever.
Where was it that such careful security was finally followed? Nope, not a nice jewelry purchase or some other shopping spree...
It was as I was leaving an underground parking garage in Downtown Metro, and the charge was less than $10.
Of course, as others have pointed out, in recent years, it's pretty rare for a "cashier type" to ever touch the card at all.
RM
I also make it a point to thank them when they do so.
Ralph
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Re: New Credit Card no longer have signature on the back
No Need To Sign On Dotted Line: Credit Cards Are Phasing Out Signatures
NPR (2018)
https://www.npr.org/sections/thetwoway/ ... signatures
NPR (2018)
https://www.npr.org/sections/thetwoway/ ... signatures
Re: New Credit Card no longer have signature on the back
Reading this thread reminded me of a notice I saw this week. I was looking for skinny margarita mix at a major supermarket w/o luck. I used my phone to tap and pay using google pay to pay for the rest of my order. I went next door to the same supermarket's liquor store and saw a sign that said they had stopped accepting several types of tap and pay cards (not all) and perhaps no apple pay at all. Sorry I don't recall the exact details since I wasn't affected.
I tried googling for an explanation without results. All I found is that Walmart will not accept ApplePay. My supermarket was not a Walmart.
Its a mystery.
As to the OP. I still sign my cards if they have a strip. I was stopped at a rental car counter for using a card with no signature just a couple or three years ago. I signed it in front of them, no problem. I always use my phone with google pay unless forced to use the actual card. If I have to sign, it's a short squiggle.
I tried googling for an explanation without results. All I found is that Walmart will not accept ApplePay. My supermarket was not a Walmart.
Its a mystery.
As to the OP. I still sign my cards if they have a strip. I was stopped at a rental car counter for using a card with no signature just a couple or three years ago. I signed it in front of them, no problem. I always use my phone with google pay unless forced to use the actual card. If I have to sign, it's a short squiggle.
Re: New Credit Card no longer have signature on the back
Some merchants don’t take Apple Pay because it is anonymous. They REALLY want to track their customers.
Walmart, Home Depot, and Krogers are major merchants who don’t accept Apple Pay. They all have their own apps they want you to use instead.
Re: New Credit Card no longer have signature on the back
That will be the demise of our society.
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