In order to begin using a new credit card, you will need to sign the back of the card before you can use it for any purchases. After you have activated your card online or over the phone, you must sign the card. Sign your name on the document with a felt-tipped pen, just as you would on any other document. Never leave the back of your card blank, and never write “see ID” in place of your name when signing your name.
Part 1 Signing the Card Clearly
1. Locate the signature bar on the first floor. You’ll find this information on the back of the card. In order to see the light grey or white bar, turn the credit card over so that you are looking at the reverse side.
Some cards may have an adhesive sticker over the signature bar, which can be difficult to remove. It is necessary to remove the sticker before signing if your book has one.
2. Sign with a felt-tipped pen to indicate your agreement. Due to the fact that the back of the credit card is made of plastic, it will not absorb ink as readily as a piece of paper would. The use of a felt-tipped pen or a Sharpie pen will leave a permanent signature on your card, and you won’t have to worry about smearing ink all over the back of the card.
The back of credit cards are sometimes signed with a fine-tip marker, which some people prefer. Additionally, these are unlikely to bleed ink onto the card.
Do not use an ink colour that is out of the ordinary, such as red or green.
In addition, do not sign with a ballpoint pen. It’s possible that ballpoint pens will scratch up your card or leave only a faint signature on the plastic surface.
3. Make a normal signature by signing your name. When it comes to signing the back of your credit card, consistency and clarity are essential. Your signature on this document should be identical to your signature on any other document.
It’s fine if your signature is sloppy or difficult to read as long as it appears that way every time you sign your name on the dotted line.
A store clerk’s first step in suspecting credit card fraud will be to compare the signature on the back of your card with the signature on the receipt you’ve signed.
4. Allow time for the ink to dry. After you have signed the back of the credit card, do not immediately put it away. It is possible that the ink will smear and your signature will become unintelligible if you put the card away too soon.
Depending on the type of ink you use, it could take up to 30 minutes for the signature to dry.
Part 2 Avoiding Common Mistakes
1. Please do not write “See ID.” It is possible that you have been told that you can protect yourself against credit card fraud by writing “See ID” or “Check ID” on your credit card rather than signing it. Because of this, if someone steals your credit card, they will be prevented from using it unless they also have your identification. Most merchants, on the other hand, are prohibited from accepting cards that do not have the user’s signature on the back.
Examine the small print on the reverse of your credit card. A statement along the lines of “Invalid without an authorised signature” is most likely contained within it.
In addition, most store clerks will swipe your credit card without even glancing at the back of it to ensure that your signature is correct before processing your purchase.
2. Do not forget to sign your name on the signature line. Technically, you are required to sign your credit card before using it in order to ensure that the card has been validated. If a store clerk notices that you haven’t signed the back of your card, he or she may refuse to swipe your card.
As chip readers and self-service card readers (such as those found at gas pumps) become more common, fewer and fewer store clerks will have the opportunity to ask to see your credit card.
Leaving the back of your credit card blank has absolutely no effect on the security of your credit card in any way. With or without your signature, a thief could theoretically use your card without your knowledge.
3. Check to see if your card is protected against fraud. In the event that a potential thief attempts to make a purchase using your signed credit card, the best way to protect yourself is to make certain that your credit card is protected against credit card fraud. Contact the Customer Service department of your credit card company and inquire as to whether your account is protected against fraud.
If you do have fraud protection, the cardholder’s liability is limited to $50 under United States law.
According to federal laws in the United States, all major credit card companies are required to provide fraud protection. Make a phone call to your credit card company and inquire about their policies regarding credit card theft to determine your liability in the event of a stolen card.
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