Originally Posted by
mahasamatman
#3 has never been required by any of the cards I've received, though some sort of income and emloyment information is.
I don't recall I gave any 2nd ID info in cc applications years back either. However, in the last year (or last couple of months?), the state-issued ID/driver license has consistently been required in the online applications (At least for Citi and Chase).
#4 is definitely not required. I have never signed the back of a credit card. I always write "SEE ID" on it with a big Sharpie. The only place that won't accept it that way is in person at the Post Office.
As far as signature goes, during the online application, I recall they ask for some clicks (or initials or something) in lieu of pen-based signatures.
It's always my understanding that the verification of legit cc usage, i.e. fraud prevention, is to check both ID and signature for in-store purchases (even though in practice, not every merchant checks ID, let alone signature on the back panel
). For the newer cards with chips or transmitters (Chase Blink...), the requirements may be different. I am not sure if the terms on the cc have specified the signature requirement. However, all the recordings I hear after activating a new cc over the phone keep telling me to remove the stickers and sign the cards. I have no idea you can get away with signatures.
Of course, for the "lucky" cats and dogs, who get to be the authorized/additional users, they never have to worry about any of of these "procedures".
