Not anymore. Visa, Mastercard, Discover and American Express dropped the requirement to sign for charges like restaurant checks in 2018. They don't look at our scribbles to verify identity or stop fraud.
Yes, you need to sign a credit agreement for it to be valid.
Existing Cardmembers Get a copy of your agreement mailed to you by initiating a request below. Log In to Request Your Agreement. or call 1-800-DISCOVER.
Creditors should give you a copy of your credit agreement. If you have lost it or you are unsure whether the creditor gave you a copy, you can ask for one.
If you are looking for information specific to your account, contact the bank or institution that issued your card. By law, the issuer must make your agreement available to you upon request.
What Is a Cardholder Agreement? A cardholder agreement is a legal document outlining the terms under which a credit card is offered to a customer. Among other provisions, the cardholder agreement states the annual percentage rate (APR) of the card, as well as how the card's minimum payments are calculated.
If you are looking for information specific to your account, contact the bank or institution that issued your card. By law, the issuer must make your agreement available to you upon request.