For this reason, some merchants may reject a card with a smeared signature, a signature that's unreadable, or a signature that simply isn't there. It would be much easier to prove that the person who made the sale wasn't you if the signature on file with your card company doesn't match. If you were to find an unauthorized charge on your credit card bill and file a dispute against it, the credit card company would research and pull the receipt from the sale. The whole point of signing your card is to help prevent it from being used fraudulently. There could, eventually, be repercussions, however. And as long as you're traveling with ID that matches the name on the card, this will usually be enough proof to allow the cashier to run your card. Few merchants actually compare signatures anymore. Did you just grab whichever pen happened to be on your desk for that? And did you just rub it down a little as you were signing, creating a smudge?Ī smudged signature may not seem like a big deal, and honestly, it's not a problem most of the time.
When you got your credit card (or debit card) in the mail, your bank probably instructed you to sign it.
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