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Person using spouses credit card= Screaming Swearing and acting childish

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  • #16
    Whenever customers say, "Well it's my husband's/wife's/neighbours," I always reply with, "Yeah, but it's not YOURS."
    That seems to be the generally accepted response among managers and staff at my work.

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    • #17
      Quoth Hempress View Post
      :irked: Yeah, I've used my boyfriends' card. And no, I don't think that everything of his is mine to spend frivolously. We have a joint account. What am I supposed to do at 3AM (the time I'm usually working) when I'm waiting for my new one in the mail?

      Well where I work its different. I work in a casino cage. After a customer uses the ATM (like if they don't know the PIN or use it as a credit card), they get sent up to the cage. Well, we have certain policies. For instance, we need a signature, initials and a thumb print. Regardless of the situation the names have to match.

      But you have to think of it through the cashier's POV. We don't know you or your boyfriend. The card could be stolen for all we know. Do you have different last names? Even if you were married there are so many different factors to the fact that you shouldn't really be using someone else's card unless they are present. Its really for your own protection and theirs.

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      • #18
        I admit I use my mom's credit card (per her request, I might add) for small errands, but living in a small town (despite what the ads says, we're NOT a city) will have two opposite reaction work in my favor.

        A) They know my name is not F***** G*******.
        B) They'll pass me anyway cuz they know I'm her daugther.

        I wouldn't try that in Montreal tho, no siree bob.
        Now would be a good time to visit So Very Unofficial!

        "I've had so many nasty customers this week, my bottomless pit is now ankle-deep."-Me.

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        • #19
          Usually, when my mom sent me on errands and grocery shopping, she just handed me a blank check with her signature to pay for things. Luckily, I was an honest daughter.
          A smile is just a grimace that's been edited for public consumption. -- Tony Cochran

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          • #20
            When my Sister turned 16 my parents got credit cards for both of us . . . that way she could drive us to the mall and we could shop and neither parent had to take the time - and we could be with our friends. (she is older)
            I had one store that didn't want to honor the card - mall security got called and my Mother got called - she and Mall Security got upset with the clerk - had she called the credit card company like I asked - she would have learned that their is a note on the account about what my age was at the time - and a security question that I could be asked and answer for authorization purposes.
            We eneded up getting me a photo ID - looks almost exactly like a Drivers License but says it is Photo ID . . . had another clerk at another store try and accuse me of having false ID - cause no way I had a license yet . . . manager got involved and I had to show them both where it says PHOTO ID and had my real birthdate - not an inflated like would be used for a fake ID.

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            • #21
              Quoth Juwl View Post
              How about the time I went into a store I'd shopped at fairly continuously for years, with my mom's credit card, and a note from her (signed! Might I add.) because I needed new clothes for an interview, and had no money of my own to spend on clothes. The lady at the counter, after I'd picked out some clothes, takes mom's credit card, and note, looks at both, and tells me, "We can't do this usually."
              Say what? I can't use my mom's credit card, which is signed, along with a note giving me permission to use her card? I had my ID and everything, I was named in the note...
              How would they know you didn't FORGE the note though? I mean if you're going to go ahead and steal your mom's card, why not go the extra step and write a note that has her saying you have permission? I am NOT saying you did this - but from the lady at the counter's perspective, you COULD have......

              The only time I got upset was when I took my father's card to pay for a company expense (I was working for him at the time) and they wouldn't let me use the card.... well of course I didn't have a company card in my own name - and it was really just a one-time thing. And it was freakin Wal-mart..... but they wouldn't let me use it.

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              • #22
                I just find it astonishing that ANYONE is allowed to use a credit card with someone else's name on it, ID and written permission or not. At the Big Evil Supermarket we were under orders to confiscate cards that appeared to be stolen (oh, the fun that caused).
                A person who is nice to you, but not nice to the waiter is not a nice person
                - Dave Barry

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                • #23
                  Credit Card Rep Questions

                  I have some questions on this, since this kind of thing has come up before on this site.

                  1. Don't VISA and Mastercard have merchant guidelines that say that a merchant has to take a signed card without ID, unless they suspect the card is stolen?

                  2. Many credit card accounts are set up with only one owner (used to be this way), and a second card does not make it a joint account, as the owner is ultimately liable for payment of the account. Is this still the case?

                  3. Regarding a store card (Macys, Nordstrom), the store can set up the account as they choose, which could mean asking for ID when certain accounts are used, correct?

                  4. This arose while working in a lost and stolen card department at a bank. A parent would allow a child to use the card once, maybe to buy school books or clothes, something along that line. Later, the child would borrow the card without telling mommy or daddy and charge some other things. The parent would call demanding the charges be backed out, but we would have to tell them that, since they allowed the child to use the card before, unless they sent written notice to us we would continue to honor any charges the child made consequently, as permission, once granted, was considered to continue automatically until revoked. Is this still standard?

                  Thanks.
                  Labor boards have info on local laws for free
                  HR believes the first person in the door
                  Learn how to go over whackamole bosses' heads safely
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                  • #24
                    Also, if anyone you know uses your card without permission, you would be required to prosecute them for theft if you're willing to claim fraudulent use to get the charges removed.

                    If you won't prosecute, then it becomes a private matter between you and them.

                    ^-.-^
                    Faith is about what you do. It's about aspiring to be better and nobler and kinder than you are. It's about making sacrifices for the good of others. - Dresden

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                    • #25
                      Quoth wagegoth View Post
                      I have some questions on this, since this kind of thing has come up before on this site.

                      1. Don't VISA and Mastercard have merchant guidelines that say that a merchant has to take a signed card without ID, unless they suspect the card is stolen?
                      Take as in TAKE, or as in accept? Because we can't accept any cards that don't have a signature on them, or cards where the signature has worn off, without ID.
                      Most cerdit cards say on the back, "Void unless signed," or something to that effect.
                      In our store not only do we have to see ID, but we have to make the customer sign their card, otherwise we can't accept it. Period.
                      They can write, "See photo ID" on the back and that's acceptable, but if they refuse to sign it there's nothing we can do, VISA, MasterCard and AMEX won't let us accept them.

                      [QUOTE=Juwl]How about the time I went into a store I'd shopped at fairly continuously for years, with my mom's credit card, and a note from her (signed! Might I add.) because I needed new clothes for an interview, and had no money of my own to spend on clothes. The lady at the counter, after I'd picked out some clothes, takes mom's credit card, and note, looks at both, and tells me, "We can't do this usually."
                      Say what? I can't use my mom's credit card, which is signed, along with a note giving me permission to use her card? I had my ID and everything, I was named in the note...[QUOTE]

                      Doesn't matter. All credit card companies will tell you the same thing: only the individual's name who appears on the card, and subsequently whose name is signed on the back, is allowed to use that card.
                      Notes or not, no one knows for certain that you didn't write that note yourself after jacking your mom's card from her purse because you were angry with her.
                      While such was not the case, the cashier and credit card company have no way of knowing that.

                      On the same note, a girl came into my work with her father's card trying to use it. Whoever it was that was serving her told her we can't accept the card because it belongs to her father. The girl FLIPPED and got her father on her cell, screaming to make the supervisors talk to him.
                      Even though he was on the line (assuming it was actually her father) giving permission to use the card, law states we can't take it unless he shows up to sign the slip.
                      Done and done.

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                      • #26
                        Quoth CSR Kim View Post
                        if I'm staring at a 16 year old girl and the card says Mr. Guy McGuyName, of course I'm going to check the ID. It was always amusing when they'd start to whine..."Are you seeriiouss? But it's my dad's card! Can't you call him?" Maybe I'm a jerk, but I never let them use it, unless mommy or daddy was right there...and had their ID.

                        From personal experience - besides my regular visa CC I have a few lower-limit store cards in my name, too. I applied for them specifically so that my daughter could use them to buy school clothes, birthday gifts for friends, etc. They were issued with my name on them but the account states that she is an authorized user. I guess what I'm getting at is this - did you called the CC company to see if the kid was authorized? The teenager might have been legitimately using the card.

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                        • #27
                          We do credit card transactions over the phone, and then we need to see the credit card when people come to pick up their tickets. We tell every single customer this over the phone. At least 20% of them show up without their credit card or even photo id. It's all women who do this- they say they didn't take anything but their lipstick in their evening purse.

                          *sigh*

                          The worst part is... I don't want them to miss the show, so I still let them in.
                          There are no stupid questions, only stupid people.

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                          • #28
                            I've had husbands screaming at me when I tell them that their wife can't use their card and vice versa. They seem to think that they and their spouse are the same person, and they're taking the "two people become one" adage a wee bit too literally.
                            Some cause happiness wherever they go; others whenever they go.

                            Selfishness is not living as one wishes to live, it is asking others to live as one wishes to live.
                            ~Oscar Wilde

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                            • #29
                              I have a debit card that I use for credit transactions all the time. I've had it for about 6 years. I have never signed my card. I get asked for ID maybe 5% of the time. (it's got a picture on the front, but that's almost completely worthless, if you know anything about credit card rules)

                              My boss has, at any given time, about a dozen credit cards. He has never signed any of them. (I get to cut them up into confetti when they've expired or he's cancelled)

                              I don't know what the actual rules are, but I do know that the vast majority of merchants never, ever follow them.

                              ^-.-^
                              Faith is about what you do. It's about aspiring to be better and nobler and kinder than you are. It's about making sacrifices for the good of others. - Dresden

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                              • #30
                                In my case, I lots of time use my SO's debit card (with his consent) to pay or draw money. In my country there is a national wide ID we all need to have (and carry) which is similar in theory to your new (american) ID document they're trying to setup, but has a format close to your drivers license...

                                Anyhow, the card machines require the ID number entered (and to match) for the debit cards (not so for credit cards.), I know my SO's pin number by heart and his ID as well (I have a great memory for numbers), so normally when they ask for the ID I just recite it to them (and sign in his name, and phone number). But once in a while I find a place that enforces showing the ID, so what I do is politely tell them I left it at home (Not true, I have MINE in my wallet but not my SO's) and tell them I'll be back. I go to an atm, use the pin to draw the right ammount of money, go back. and pay in cash.

                                Simple and saves us all pain.
                                I pet animals, I rescue insects, I hug trees.

                                "I picture the lead singer of Gwar screaming 'People of Japan, look at my balls! My swinging pendulous balls!!!'" -- Khyras

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