Credit Cards
Last comment by sebekm 5 months ago.

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When you get your "NEW CREDIT CARD" don't sign the back! Instead, write in "ask for photo ID"... I seen a man do this before... I made sure his ID matched his credit card. This can help cut down on identity theif!

Latest Activity: Nov 17, 2013 at 10:08 PM

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gacpl commented on Monday, Nov 18, 2013 at 08:29 AM

if you write ask for photo, that becomes your signature for that card. it is a myth that's been passed on the internet for years. do not leave it blank, what ever is wrote there become the legal signature for the card. so basically some could write check id on the signature line of the credit slip and they have to take it. the proper way for a business to take your credit card is to swipe your card, have you sign the slip, then they are suppose to flip over your card and match the signature from the slip to your card. if they don't match they can keep your card and report it as possibility stolen. it is all in the merchant agreement contract that you have to sign in order to accept credit cards at your business. it is best to sign it as soon as you get them with your own signature.

sebekm commented on Monday, Nov 18, 2013 at 12:01 PM

Also - I think that most credit card companies that require the cardholder's signature do so for the card to be legally "valid" for use. On mine it says so in the cardmember agreement.

sebekm commented on Monday, Nov 18, 2013 at 12:03 PM

(Basically this is what gacpl pointed out from the merchant's point of view. Unfortunately, I've rarely had a merchant match the signatures or even flip the card over. Not once in the past 15 years that I can recall.)

Sheran commented on Monday, Nov 18, 2013 at 12:32 PM

I have room to sign my name also.

Sheran commented on Monday, Nov 18, 2013 at 17:06 PM

I've been doing this for 15 years and never had a problem. I also hand clerks my card upside down. I've had my card info stolen before, that's a nightmare.

gacpl commented on Monday, Nov 18, 2013 at 17:58 PM

also if you enter a pin number no ID is needed, as far as reading your card number, it used to be real easy to read the numbers as you hand the card to the cashier, but they are trying to make it harder, some have probably noticed when you go to read off your card number for a over the phone or internet purchase that they are harder to read now.

sebekm commented on Monday, Nov 18, 2013 at 18:10 PM

"I have room to sign my name also."

If your bank agreement requires that you sign your card - and you have to choose between signing and posting a message - I recommend you go with your signature.

I've had four cases of credit card fraud/appropriation and all four were tracked to hacked merchant databases where I made either telephone or online transactions. So the risk is everywhere. My standard practice is to check my credit card transactions online daily - and report any postings that are not mine IMMEDIATELY. On three of the four occasions I beat LE with my own investigation and undoubtedly prevented further fraud on my card. (Fortunately, my two cards have "fraud protection" where I don't eat any of the cost, but we all pay more on costs built into purchasing transactions because of credit card fraud.)

Good blog, Sheran. Thanks for raising the issue. I like your new avatar, too.

"Every time a bell rings, an angel gets his wings."

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