Why the signature comes out grey and broken
This is the single most common complaint, and it is a format problem rather than a settings problem.
A signature is line art: black strokes on a white background, with hard edges everywhere and no continuous tone. JPEG is built on the assumption that sharp transitions are rare, so it surrounds every stroke with ringing — faint grey echoes — and at the low quality needed to reach 10 or 20 KB those echoes become a visible haze.
Try PNG instead. A cropped black-on-white signature at modest dimensions is often under 20 KB losslessly, and it will be perfectly sharp rather than smudged. Check the portal accepts PNG first — many specify JPEG only, in which case crop tighter and keep the dimensions small rather than pushing the quality down.