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Old 01-07-2004, 12:20 AM   #1
CZroe
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Default Using someone else's credit card: What are the rules?

In the media, many times I've seen someone's credit card given to a fictional family member "for emergencies" and such. Also, on the Internet or mail-order, they very well expect that you may be using someone else's card when they ask for the cardholder's name. So it seems like it's OK to use someone else's credit card with permission. Am I right?

Many times when growing up my own mother has given me the card to go get gas or get something paid for for her.

Recently, my brother sent me to Circuit City to buy some 120GB HDDs. I asked if I was supposed to print his name or sign mine and they refused the sale saying only he could use the card. WTH?!

Today, I was out of gas and money when dropping my brother off for work and I could not use my check card until a check had credited in the bank. The car is ours and so is the cost of filling it up, so he gave me his card again. The QuickTrip employee tried to ID me! Luckily, they went ahead and did it and I didn't even have to refuse to present ID, but what if they had insisted and I WASN'T the card holder?

I figured I'd go ahead and get the low-down from you guys. Thnx.
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Old 01-07-2004, 12:21 AM   #2
Eli
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Default RE:Using someone else's credit card: What are the rules?

1). Don't use other people's credit cards.
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Old 01-07-2004, 12:22 AM   #3
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Default RE:Using someone else's credit card: What are the rules?

what I know is as long as their is a signature on the back of the credit card, you don't have to show them any ID. But if there is none they have to ask.
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Old 01-07-2004, 12:23 AM   #4
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Default RE:Using someone else's credit card: What are the rules?

Quote:
Originally posted by: Eli
1). Don't use other people's credit cards.
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Old 01-07-2004, 12:30 AM   #5
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Default RE:Using someone else's credit card: What are the rules?

Before you mug them, observe how they sign their name.. just to be safe j/k

Seriously, i don't have anything of value to share except that i write 'Please ask for Driver's License' on the back of all my credit cards instead of signing them.

No one checks your name/signature any more.. so you won't have any trouble unless you open your mouth..
If you're standing in line and feel that the Clerk may ask for ID or question you.. then you either compliment them/flirt/make up a story about how your mom works at the same store and is a cashier.. blah blah.. or say 'damn you're fast'... usually works..

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Old 01-07-2004, 12:30 AM   #6
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Default RE:Using someone else's credit card: What are the rules?

Quote:
Originally posted by: JHoNNy1OoO
Quote:
Originally posted by: Eli
1). Don't use other people's credit cards.
2) dont forget to whipe.
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Old 01-07-2004, 12:33 AM   #7
rh71
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Default RE: Using someone else's credit card: What are the rules?

Just tonight at a gas station I gave the guy our shared AAA Visa card for the gas. It has my fiance's name on it. (I usually use the machines at self-pump so it's never an issue, but this place was full-service)... well I signed my name without thinking twice and the dude didn't even care/check. Her name looks nothing like mine.

With Internet sales becoming so prominent, I don't think credit card security as far as validating you are you matters much anymore.
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Old 01-07-2004, 12:34 AM   #8
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Default RE: Using someone else's credit card: What are the rules?

If you're using somebody else's card, don't -tell- them it's somebody else's! Whenever I use either of my parents' or my sisters' cards, I just sign my own name. Nothing has ever come up. It's kind of scary. For another example, one of my friends used to always either tag his credit card receipts or write some slogan in place of his signature. Again, nothing ever came up.

I honestly don't think anyone cares. Unless you tell them.
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Old 01-07-2004, 12:49 AM   #9
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Default RE:Using someone else's credit card: What are the rules?

Quote:
Originally posted by: ajpa123
Before you mug them, observe how they sign their name.. just to be safe j/k

Seriously, i don't have anything of value to share except that i write 'Please ask for Driver's License' on the back of all my credit cards instead of signing them.

No one checks your name/signature any more.. so you won't have any trouble unless you open your mouth..
If you're standing in line and feel that the Clerk may ask for ID or question you.. then you either compliment them/flirt/make up a story about how your mom works at the same store and is a cashier.. blah blah.. or say 'damn you're fast'... usually works..

Businesses are starting to NOT accept credit cards that arent signed and just have "see id" or similiar on the back. They have to be signed.
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Old 01-07-2004, 11:13 AM   #10
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Default RE:Using someone else's credit card: What are the rules?



I seen a magazine article where a person used another persons credit card and sign all the credit card slip with the names of cartoon characters Daffy Duck, RoadRunner etc. No one caught it

I rarely get asked for ID .. I would have to say that 1 of every 100 card swipes ask for ID.

If you have permission to use the card ... just use it
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Old 01-07-2004, 11:18 AM   #11
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Default RE: Using someone else's credit card: What are the rules?

err... sometimes when i use my mom's cc, they might check the name and ask if its my mom. other times they don't really pay attention.
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Old 01-07-2004, 11:18 AM   #12
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Default RE:Using someone else's credit card: What are the rules?

Quote:
Originally posted by: wampa
what I know is as long as their is a signature on the back of the credit card, you don't have to show them any ID. But if there is none they have to ask.
Quite wrong, in fact the card is not considered valid without a signature on the back, the are not supposed to accept it even with ID at that point. And your signature on the receipt has to match the one on the card, I mean it might be your family letting you use their card, but what if it was crack tooth willie who found your card when you dropped it walking out of the store? The store is some how supposed to know that he isn't the card holder without asking for ID?
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Old 01-07-2004, 11:18 AM   #13
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Default RE:Using someone else's credit card: What are the rules?

Quote:
Originally posted by: ajpa123
Before you mug them, observe how they sign their name.. just to be safe j/k

Seriously, i don't have anything of value to share except that i write 'Please ask for Driver's License' on the back of all my credit cards instead of signing them.

No one checks your name/signature any more.. so you won't have any trouble unless you open your mouth..
If you're standing in line and feel that the Clerk may ask for ID or question you.. then you either compliment them/flirt/make up a story about how your mom works at the same store and is a cashier.. blah blah.. or say 'damn you're fast'... usually works..

Your card is not valid. www.visa.com
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Old 01-07-2004, 11:19 AM   #14
DaiShan
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Default RE:Using someone else's credit card: What are the rules?

Quote:
Originally posted by: rh71
Just tonight at a gas station I gave the guy our shared AAA Visa card for the gas. It has my fiance's name on it. (I usually use the machines at self-pump so it's never an issue, but this place was full-service)... well I signed my name without thinking twice and the dude didn't even care/check. Her name looks nothing like mine.

With Internet sales becoming so prominent, I don't think credit card security as far as validating you are you matters much anymore.
You still have to have the card, for the security code on the back to order, so if you don't have your card in your possesion...cancel the card, problem solved.
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Old 01-07-2004, 11:26 AM   #15
benchiu
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Default RE:Using someone else's credit card: What are the rules?

Any company can reject the use of the credit card if you are not the person listed on the card. Whether it's your mom, wife, brother, etc, it doesnt matter. Heck, even if it's YOUR card they can still reject you if you don't have ID to back it up.

Now do most companies do this? Of course not, but they could.
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Old 01-07-2004, 11:28 AM   #16
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Default RE:Using someone else's credit card: What are the rules?

Working in retail, I cant believe how many people think that they can use other people's credit cards. Any business that accepts a card in such a manner is opening themselves up to great risk of chargeback. All the cardholder has to do is dispute the charge, CC company gets the charge slip from the retailer, different person's name on the slip, chargeback. Basically, if your name is not on the front of the card, then you have no business using it. And please do not get mad, that only makes you look foolish, and will not do anything to help your case at all.

[/rant]
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Old 01-07-2004, 11:31 AM   #17
Ynog
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Default RE: Using someone else's credit card: What are the rules?

It depends on the store, but I am not surprised that Best Buy refused.

The Credit Card is suppose to be for one person. You want another to use it,
they have multiple cards for one account. Get them another account.
I know many people that do this.

Some stores will do this. However any guy that steals your wallet or purse can
take your card and say, oh I am this persons sister, brother, wife, husband. And when
they charge stuff on it, you don't have to pay for it. But if the store didn't follow the proper
security guidelines, the credit card company can hold them accountable for the purchase or
in some cases they just want let the store use their cards there.

My grandmother had her purse stolen, and her name on the card, and she had over 10 grand worth
of stuff charged on it, before she could get home and get it cancelled. And the purchases were all
made in stores. It wasn't online purchases. And the purchases were made by a man. So if the
stores had been following the security guidelines then those purchases would not have happened.
Now she didn't have to pay it, but its hassle that she had to deal with. And its hassle the credit
card company has to deal with. For something that shouldn't have happened.

So why its nice for some stores to take someone elses credit cards, but they don't have it, and actually
there not suppose to.
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Old 01-07-2004, 11:43 AM   #18
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Default RE: Using someone else's credit card: What are the rules?

The other thing I don't get is by the time they're signing the credit car slip the transaction has already gone through. What's the sales person supposed to do? Grab the bag back from the person and return the item? After working in a department store I can tell you exactly what would happen. The customer would rant and rave and bitch for a manager. The employee would have to call the manager, the manager would then get the whole sob story about it being their husbands card or their wifes card blah blah blah, and then they would apologize and allow them to leave with the item they purchased. Then as the employee who initiated all this, you would get chewed out for what you did. End result: Sales people don't bother to check anymore. Why would they want to deal with it? Make the extra effort and get yelled at by two people or do nothing and get yelled at by no one? Which would you choose?
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Old 01-07-2004, 01:02 PM   #19
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Default RE:Using someone else's credit card: What are the rules?

It's amazing how easy it is to use someone elses credit card. I went out for diner over Christmas and the waiter mixed up my friend's credit card with my own. I bought several items with the card before I realized that it was not mine. The sales people never verified the sig on the card with my sig.
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Old 01-07-2004, 01:07 PM   #20
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Default RE: Using someone else's credit card: What are the rules?

these are the rules that we have to follow at my job:
1. card must be present
2. card must be signed, if its not, the person has to show ID, sign the card in front of me, then I have to compare the signatures
3. we swipe the card, then type in the last 4 digits of the card. If the number on the stripe doesnt match the number on the card, we call the cops, no exeptions.
4. if the card wont swipe, we type in the number off the front of the card, then the number off the back, then we imprint the card.
5. if its obvious that the person using the card isnt the cardholder, we make a copy of their license and the card.

these rules protect us from the banks, not the consumer from fraud
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Old 01-07-2004, 01:15 PM   #21
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Default RE: Using someone else's credit card: What are the rules?

I gave my daughter one of my credit cards when she was 14yrs. old. My name. No one ever questioned her. I sent my mom a cerdit card in my name so she could shop for me in TN for cigs ($28.00 carton there, $55.00 here). She sighned my name and was never questioned. But when it came time to go to the post office, she chickened out thinking she was gonna get arrested for Postal fraud. LOL. So, I got her a card with her name on it.

Four years ago my b/f gave me his Gold Card, I just bought what I needed to buy, signed his name and if asked said it was my husband. IMHO, the way retail is structered now.... the cost of the item reflects all the ppl who beat the stores out of money. It is easier to just take the payment and deal with any problems later. The credit card companies do not get every single receipt that ppl sign. The only time anyone has a problem is if the cardholder complains about a charge.

The store is not beholden to accept payment with someone else's card, but they will. and AMCRambler is correct. I have been in that situation. Someone came in with a blank check, in her husbands name, her surname being different. She signed his name. I questioned her and she got pissed and wanted to see the manager. I was the mananger, but called head office for clarification. They gave me flack for not accepting it. Their loss prevention team was there to deal with the situation if it went bad. ...?????

Also, I have often signed Minnie Mouse on my cards. I had "ASK FOR ID" printed on the back of it, and when no one did, I signed Minnie Mouse. Never got questioned.

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Old 01-07-2004, 09:14 PM   #22
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Default RE:Using someone else's credit card: What are the rules?

Quote:
Originally posted by: 95SS
Working in retail, I cant believe how many people think that they can use other people's credit cards. Any business that accepts a card in such a manner is opening themselves up to great risk of chargeback. All the cardholder has to do is dispute the charge, CC company gets the charge slip from the retailer, different person's name on the slip, chargeback. Basically, if your name is not on the front of the card, then you have no business using it. And please do not get mad, that only makes you look foolish, and will not do anything to help your case at all.

[/rant]
Umm, pay at the pump never requires a signature, which is why I always go inside.

Thnx for clearing this up for me guys
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Old 01-07-2004, 09:19 PM   #23
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Default RE:Using someone else's credit card: What are the rules?

make sure there are no cameras in the store/ gas station
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Old 01-07-2004, 09:29 PM   #24
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Default RE:Using someone else's credit card: What are the rules?

some walmarts ask for your ID when u use a credit card. if it's not yours, u cant use it no matter if given permission. (how does walmart know?)
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