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how come resturants don't ID you when you pay by credit card? -nt

I've never been IDed anywhere when using a credit card. They just look at the signature at the most.
 
You're not supposed to be ID'ed because you have a credit card.

I don't understand why some businesses do it.


Visa makes a big deal in their commercials that you wont need ID.
I go to the mall, and they ask for it...WTF ?
 


<< im 17 and i use a debit card to pay for purchases in the mall/ resturants.. ive been ID'ed everytime in the mall and not resturants. >>



Yeah, I dont get it....

I mean...havent they seen the VISA commercials?
YOU DONT NEED ID !


I dont even know if they're even allowed to ask.
I'm sure it violated their contract term with the credit card companies as a merchant.

One time I didn't have ID and I couldnt buy something.
I wish I knew for sure if they are allowed to request it.

But then again, its their business, and they can refuse service to anyone for no real reason
soeven if they're not supposed a to ask..they can.

Every time I see one of those VISA no-id commercials I think its such a joke.
You would think that Visa would have issued a memo to its merchants by now....
 
how come resturants don't ID you when you pay by credit card? -nt

Even though no merchants are supposed to ask for ID,
restaurants most likely never do because you already at their food and received their service
so they aren't going to make it harder for you to pay.
 


<< I've never been IDed anywhere when using a credit card. They just look at the signature at the most. >>


THey don't even check the signature for me...My initials are MB so I just started signing "My name's Batman"
 
Yeah, everybody must have seen those Visa check card commercials where they make fun of checks needing ID to be used.
 


<< im 17 and i use a debit card to pay for purchases in the mall/ resturants.. ive been ID'ed everytime in the mall and not resturants. >>




When I use my CC at a Plaid Pantry in ghetto part of the town here, I always have to show my driver's license.

 
In the UK no one asks for identification when using CCs, is this a new thing merchants have started doing?
 
FWIW, I have "CHECK ID" next to my signature on my card. In general, about 50% of the time the clerk will check the ID. With high $$$ purchases or electronics chains maybe 95% of the time. Restaurants, maybe 1% of the time.

The CC Companies first go after the merchants if there is a disputed charge. If the merchant can't show that they have a signature that matches yours, they take the loss (Unless they can prove otherwise that you signed the receipt). Most restaurants just take the risk that only a small percentage of their customers are going to contest the charges each month. I'd have to guess that CC theives don't consider the risk/reward of going out to eat on a stolen card that attractive. I'd guess further that most of the restaurant contested charges are most likely fraud by the consumer that ate there and decided they didn't want to pay later that month.




 
Like Dman6666 said, it's mostly a numbers game. I'm a retail manager, and I know that if a credit card purchase has been made, it's usually more difficult for us to UNDO the charges and credit the amount back to a card. We simply absorb the cost if it is disputed (which is very rare). If a card is stolen or lost, most people report them quickly to the credit companies. And they put stops on the cards just as quick. With automated systems, this will show up a lot quicker than if a checkbook has been stolen (which you usually have to wait for whomever stole the checkbook to write a few checks first).

It's a gamble from the retailer's standpoint, but usually someone (the credit companies/the thief/mom and dad/us) usually end up holding the bag...

--Christopher
 


<< All shops should check ID's, this will make using stolen CC's a lot less attractive. >>




Per their Merchant Processing Agreement, most shops are not *allowed* to ask for your ID if you use a credit card. I know this is so for Visa and I'm pretty sure that it holds for the other major cards, but I could be wrong...


Kevin
 


<<

<< All shops should check ID's, this will make using stolen CC's a lot less attractive. >>




Per their Merchant Processing Agreement, most shops are not *allowed* to ask for your ID if you use a credit card. I know this is so for Visa and I'm pretty sure that it holds for the other major cards, but I could be wrong...


Kevin >>




EB asked for my ID when I tried to use a VISA. I was like...um...haven;'t you seen the commercials? "We're required to anyway." I just paid cash instead. WTH is the point of having a VISA when they ask for ID.

Footlocker never asked, Wal-Mart never asks, most places don't, that I've seen.
 


<< Per their Merchant Processing Agreement, most shops are not *allowed* to ask for your ID if you use a credit card. >>



That's crap. Nothing precludes the merchant from asking for ID. As a matter of fact, the merchant agreement isn't even between Visa or Mastercard and the store; it's with the issuing bank. Most simply choose not to because it's a hassle.

Russ, NCNE
 
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