Where do I sign on the back of my American Express card?

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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432521
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Postby 432521 » Thu Aug 16, 2012 10:09 pm

I have nothing against signing the back of my cards. I actually never even knew why it said to sign it on the back.

About chip and pin, from my understanding is it just basically the same way a debit card works?


Also the on the point that CC made, I have never been asked by a cashier to look at the back of my card to match up my signature. Most of the time I just do a straight line on the pad thing when it says to sign and it always works
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday


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FastSRT8
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Postby FastSRT8 » Fri Aug 17, 2012 11:49 am

That's terribly disconcerting!


432521 wrote:

Also the on the point that CC made, I have never been asked by a cashier to look at the back of my card to match up my signature. Most of the time I just do a straight line on the pad thing when it says to sign and it always works
Carpe diem quam minimum credula postero!

CC Deville
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Postby CC Deville » Fri Aug 17, 2012 4:00 pm

FastSRT8 wrote:Agree pin and chip is the key but some devices like gas pumps I don't think will ever get chip technology


The petrol stations in Canada don't have Chip + PIN readers yet?

CC Deville
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Postby CC Deville » Fri Aug 17, 2012 4:05 pm

432521 wrote:About chip and pin, from my understanding is it just basically the same way a debit card works?


Yes and no. Chip + PIN or EMV has a microchip on the front of the card. Rather than sliding your card (as you would with a debit card) you place the chip into the card reader, the card is read and it asks for your purchase PIN. You enter the PIN, the transaction is approved and you take your card and receipt and you are off.

With our debit cards, someone could easily slide the card and choose credit; thus taking over the account. Chip + PIN cards are coded in a way that if the card is presented to a EMV card reader (which most countries have, including Mexico) the card will not approve a sale any other way except for Chip + PIN. Meaning, if you find an EMV card and attempt to use it the machine would ask you to place the chip in the reader and request a PIN. Otherwise the charge will be declined.

But in the basic sense, yes you are correct, to approve the sale it would be similar to a debit card debit purchase with PIN. My bank/credit union frown on PIN debit transactions as it lowers their swipe fee. The credit union charges $0.25 per swipe on debit PIN transcations, so I have actually never used a PIN with my debit card....

AMEXAT19
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Postby AMEXAT19 » Fri Aug 17, 2012 8:48 pm

I never sign the backs of any of my card either.



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