another credit card dbag

[queenbb]

i card every one regardless of who they are (even my mother in law) i also do not take those pics on the back of the card as id,

so this guy pays with his american express card, i ask him for id per the usuall,

his reply according to the terms and conditions i do have to present my id.

well then you cant use your card cause i will not take a card with out id,

fine ill give it to you but i will report you,

go ahead report me then, im just doing my job to protect you.


i wonder if i got reported, the lp guys said i did the right thing, and they would back me up if he does report me.

[otakuneko]

No worries. The American Express merchant policy does not forbid merchants from requiring, much less merely asking for, ID.

In fact, it does not mention it at all.

https://www209.americanexpress.com/m...hantPolicy.pdf

Visa, on the other hand, is another matter. Visa's merchant policy does not forbid asking for ID, but very explicitly forbids requiring ID to accept the card.

MasterCard meanwhile explicitly requires merchants to obtain ID if the card is not signed, but does not seem to forbid asking for or requiring ID as a general condition of acceptance.

All three frown on unsigned cards, Visa specifically mentions "See ID" not being a substitute for signature, and demand that a merchant require the cardholder sign the card in their presence if it is not signed. MasterCard is the odd man out in saying that the signature on the back does not have to match the name on the front.

[queenbb]

im surprised that visa and mc would have policies like that with all the credit fraud that is going out there.

[goldensummer]

Credit Cards

As much good as you think you're doing, you're wrong. Signing the card should be the only ID required. With Visa and Mastercard you cannot require ID to accept the card; you can ask but you cannot refuse the transaction. The logic being that showing your ID with your card can actually open you up to more fraudulent transactions by allowing a clerk access to personal information up to and SSN's if you've allowed that to be on your state ID or drivers license. As this article from MSN shows there are many misconceptions about cards shared by both employees of shops and cardholders. http://articles.moneycentral.msn.com...CardMyths.aspx
An unsigned card is not valid even with SEE ID on it. You and LP were in the wrong on this issue. Don't think the customer is sucky just because they don't want to show you a card containing more personal info than the credit card. I've been in retail for years and I refuse to furnish ID except for specific purchases such as liquor where ID can be required by law.

[Dreamstalker]

MasterCard is the odd man out in saying that the signature on the back does not have to match the name on the front.

You're kidding. So I could have legitimately gotten a card in the cat's name (he was receiving CC offers awhile ago...how does a cat have a credit score anyway?) and used it?

[BaristaTrav]

You're kidding. So I could have legitimately gotten a card in the cat's name (he was receiving CC offers awhile ago...how does a cat have a credit score anyway?) and used it?

Yes.. 20 years of massive deregulation of every sort of financial market in this country have been swooped in upon by everyone, especially CC comapines, who will always get paid one way or another regardless of fraud, identity theft, bankruptcy, a CC in your cat's name, etc.

[rerant]

It would be very nice if all card companies would just apply the same rules: Sign your fucking card, and if you don't, either show some damn ID or expect to have it refused.

Unt they can kvote me *spit*

[Darkwish]

Here's a Consumerist article about this:

http://consumerist.com/5023643/10-th...ur-credit-card

[dithers66]

Why would you tell them it's to protect them. You know it's not an argument an SC would ever comprehend so why bother?

[otakuneko]

You're kidding. So I could have legitimately gotten a card in the cat's name (he was receiving CC offers awhile ago...how does a cat have a credit score anyway?) and used it?

On second look I actually can't find where I saw that again. The name on the front of the card does not appear to be mentioned much at all. What they (MasterCard) do stress is comparing the signature from the back of the card to the one on the receipt.

[Demonoid Phenomenon]

On second look I actually can't find where I saw that again. The name on the front of the card does not appear to be mentioned much at all. What they (MasterCard) do stress is comparing the signature from the back of the card to the one on the receipt.

But by then, the sale is all rung up.
I know that requiring an ID for a charge isn't foolproof (IDs can obviously be faked), but I can't come up with one good reason why it's a bad idea to check anyway.

[StormCMage]

wow! this board has offically made me never want a credit card ever, sorry for the ot but the only thing I don't mind about them now is the asking for id part, everything else seems like a red flag on me saying "rob me and rip me off please"

[jaya9581]

In some states it's actually illegal to refuse a credit card as payment when the cardholder declines to show id.

I refuse to shop at stores who demand to see my id without first comparing my signature to the one on my card, and I've reported many, as well.

Here in Los Angeles, you frequently only need the street name and number to find a home. So if I live at 123 Main St. And you make me show my id when I buy that new $10k home theater setup, what's to stop you and your friends from coming by and swiping it while I'm at work? Or Mr. Pedophile Store Clerk from thinking my young child is cute and coming to kidnap her?

Call it alarmist, but as a consumer you should be giving out as little personal information as humanly possible. I've known people who could see and retain license information, and as a consumer that scares the crap out of me. Just because you wouldn't use it for bad doesn't mean someone else wouldn't.

I always say "no thank you" when asked for id with my signed credit card. The invariable response is "well, it's for your protection" to which I reply "I appreciate your concern, but I prefer to take care of my own personal information security." If I make it to the store manager and they still won't relent, I get the necessary info to file a complaint and leave without purchasing. I'm always calm and polite with them, as they are generally just misinformed about policies and laws.

I know there are SCs who can be jerks about this, but please don't lump all of us in with them.

[Darkwish]

I refuse to shop at stores who demand to see my id without first comparing my signature to the one on my card, and I've reported many, as well.

...

I always say "no thank you" when asked for id with my signed credit card. The invariable response is "well, it's for your protection" to which I reply "I appreciate your concern, but I prefer to take care of my own personal information security." If I make it to the store manager and they still won't relent, I get the necessary info to file a complaint and leave without purchasing. I'm always calm and polite with them, as they are generally just misinformed about policies and laws.

I haven't actually signed any of my cards in years (not even writing "SEE ID" or whatever, totally blank). Most places don't bother to look at the back or request ID. I'll show my ID if asked and I don't have a problem doing so as long as they don't try to enter any info into their system. (Checks are a whole different ball game.) I'm aware of the various policies/merchant agreements and I haven't had a situation arise where I've felt the need to deny showing my ID.

Again, this is personal preference, I just don't care that much. Don't get me wrong, I also understand the various reasons for cashiers requesting it and people not wanting to show it.

Besides, if anyone ever wanted to rob my house, I would almost pity them. My house is a total disaster and most valuables are either hard to get to or buried under other junk (they'd have to clean the place up to get to them ). I also work from home and have lots of nice, sharp swords and other instruments of destruction readily available to help me defend it.

[Soulstealer]

You're kidding. So I could have legitimately gotten a card in the cat's name (he was receiving CC offers awhile ago...how does a cat have a credit score anyway?) and used it?

On the bright side I bet he wouldn't mind if you ruined his credit score.