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Walmart now requires seeing license to use credit card

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Originally posted by: shortylickens
Originally posted by: dionx
what is to stop a thief to use a credit card online, mail order, or over the phone. there is obviously no ID checks there. so how is showing ID in the store going to protect the customer.

online you have to fill out all the billing address info. And YES, I understand a thief could get that too, but it is still a form of deterent, just like checking ID in store is a deterent. No one said deterents STOP crime cold, they just help deter.
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Additionally, some or all of my credit cards will ONLY ship to my billing address unless I call and add another address as a valid shipping address. This prevents someone from entering my billing address and shipping it to himself.
besides, visa and mastercards policy states that if the card is valid and properly signed, no further means of validation including ID is necessary or should be required for purchase.

Thats very nice, and has no bearing whatsoever on a store policy. The store can decide how they want to conduct bussiness. Thats one of the few rights stores have left. The bank of Visa does not get to decide policy for Wal-Mart. And the reverse is also true.
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Well... Wal-Mart does have an agreement with the credit card company just like you do, and he may be right that Visa prohibits stores from requiring ID (except in certain instances as has been shown in this thread). You're right that Wal-Mart can set their own policies, but Visa can also tell them they can't accept their cards anymore.
and with a CC, even if a thief uses the card fradulently, the customer does not have to pay anything on those fraudulent charges. I hope you are not speaking for all the credit companies. Most of the cards I've had over the years still make you pay the first $50. That can add up if the thief gets many cards and goes to many shops with them.
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And besides, that money doesn't just come from nowhere... someone is taking the hit, whether it be the credit card company or the retailers. Therefore it hurts us all, and additional security - if it effectively prevents fraud - benefits us all.
 
Originally posted by: dionx
Originally posted by: Toasthead
very common practice in CA
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common, but wrong. i live in san diego and have to deal with stores asking for ID, requiring minimum purchases, or surcharging. in the end, i always win.
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exactly...like your post above.

To those saying 'look at the protection'....I say if you get you wallet jacked and are clueless about it, you deserve what you get.

 
I have no problem with this practice. On the contrary, I have a problem when they DON'T check my ID. I'd much rather suffer the inconvenience of showing my ID than suffer the realization that some shmuck maxed out my credit card because some pimply-faced cashier didn't bother to check if the jerkass was the proper owner of the card.

This is a *service* and a *benefit*, not a hindrance.

Jason
 
Originally posted by: shortylickens
Originally posted by: dionx
what is to stop a thief to use a credit card online, mail order, or over the phone. there is obviously no ID checks there. so how is showing ID in the store going to protect the customer.

online you have to fill out all the billing address info. And YES, I understand a thief could get that too, but it is still a form of deterent, just like checking ID in store is a deterent. No one said deterents STOP crime cold, they just help deter.
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showing ID is a bad deterrent. more risk of identify fraud. with a SSN and address, the theif can open up another credit card in your name without you ever knowing immediately.

Originally posted by: shortylickens
Originally posted by: dionx
besides, visa and mastercards policy states that if the card is valid and properly signed, no further means of validation including ID is necessary or should be required for purchase.

Thats very nice, and has no bearing whatsoever on a store policy. The store can decide how they want to conduct bussiness. Thats one of the few rights stores have left. The bank of Visa does not get to decide policy for Wal-Mart. And the reverse is also true.
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store policy can't contradict Visa/Mastercard policy. doing so is a breach of agreement between the merchant and Visa/Mastercard. Visa/Mastercard can then fine the store or have them stop accepting credit cards. it's been done before.

Originally posted by: shortylickens
Originally posted by: dionx
and with a CC, even if a thief uses the card fradulently, the customer does not have to pay anything on those fraudulent charges.

I hope you are not speaking for all the credit companies. Most of the cards I've had over the years still make you pay the first $50. That can add up if the thief gets many cards and goes to many shops with them.
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the average person maybe has 3-5 credit cards. $250 is not alot of money.

Originally posted by: shortylickens
Originally posted by: dionx
stores are stupid that ask for ID because they never compare signatures, as what visa and mastercard is the only thing in order to make the purchase valid. anyone can fake an ID but its harder to forge a signature.

ANYONE can fake an ID but its hard to forge a sig? I'm sorry but that is just outright wrong. I no damn well I cant fake an ID for most any modern state that has the photo imprinted right on the plastic. And the signature issue is irrelevant if people continue to believe that not signing will protect them. As I said before, all the thief has to do is sign it himself. And I promise you, the sig on the card and the sig on the receipt will match then. 😉
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you can't fake an ID, but professionals can. it's the professionals that will try to screw customers, not the average joe schmoe. the average joe will usually be nice about lost things and try to return it to the owner.

and the signature issue is relavent. if people believe that not signing doesnt protect them, it is those people's fault. no one forced them not to sign it so they put them own selves at risk for not signing it. those who follow credit card acceptance agreements and do sign their card are not at fault and protect themselves.

 
http://www.privacyrights.org/fs/fs15plus.htm

Go look up your local merchant laws.

Basically most of them go "they are allowed to check ID, but cannot record any personal info." Same reason why you can blow off the clerk if the clerk asks for your zip code, name, or address.

Asking for ID is a good idea, but in the end, the theif will find a way to use the card before it gets reported.
 
Good, I'd rather be safe than in a hurry to save 10 seconds in a checkout line. You're getting your wallet out anyways, how hard is it to pull out a second card?
 
I worked at a store that took CC's, what I don't get is how the hell is a signature on the back proof of anything? My card is signed with my name, if my neighbor gets ahold of it. You're telling me he can buy whatever he wants because the card is signed?

IT DOESN'T take that long to show me your I.D., it's NOT illegal for me to ask, and if you don't like it, then don't shop where I work, it's very simple. Sorry but 10 seconds of your time isn't going to fvck up your day. Typically the people who complain to me the most, are the ones who aren't ready and have to spend 60 seconds diggin around to find their ID.
 
Originally posted by: Chaotic42
I want them to require a license to use a credit card. Hell, it pisses me off when they don't.
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but it's so inconvient, and takes SECONDS of your time!!! I'd much MUCH rather have a person steal my CC and use it to buy tons of shat. Then, I could spend hours of the phone with my bank/credit card company explaining what happened, and trying to get the charged reversed. That would obviously be so much easier, and take way less time, and be far less troubling to me then having some moron at the register at Target ask to see my ID.
 
I write "SEE ID" on the back of mine so they require to see ID. Just another step to try and prevent somebody from using my card if it's stolen.
 
Not sure if this has been said or not since i didn't read the entire thread, just the top few....but according to VISA's own website you're not supposed to check the DL....just the signature on the back to the signature on the receipt....
 
I want them to ask. My dad had a credit card stolen before... by A WOMAN. She was able to charge over $8,000 worth of crap to it and max it out before anyone caught her. Had someone even paid attention to the name and noticed it was a man's name, let alone check someone's ID, that would have been much more difficult for her.
 
Well, at the fastly growing retail chain I work for, it is policy to see identification with all credit card and check purchases. On the check side, we can't even complete the transaction without typing in the ID # and the DOB. The fact that generally the average purchase ranged anywhere from $200-$3000 has something to do with it.
 
Originally posted by: Lithium381
Not sure if this has been said or not since i didn't read the entire thread, just the top few....but according to VISA's own website you're not supposed to check the DL....just the signature on the back to the signature on the receipt....
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Edit - yep someone mentioned it. On another note i work in a resturant, and if there is not a clear signature on the back i ask for ID. I had a woman come in with a credit card that on the back was written very clearly "Check ID" i asked her for the ID and she said it was at home, and i told her 'sorry, no go' and she got FUMING mad....wtf B*tch.... she eventually did come back with her ID and bought some stuff.

ACTUAL EDIT - oops, i hit the quote button instead of the edit button, i thought that was a weird looking double post....apologies!
 
I work at wal-mart in canada, we check drivers license on all credit transactions above $100.

According to Visa/Mastercard, if we take a illegal credit card, we are resonsible for the charges. As well, we are not reqquired to take any form of payment for our goods. Henseforth it is completely legal for us to check id to verify the payment we are recieving from the payee, so long as we are not taking 'personal' info without permission. We simply verify name and face, that is all.
 
Originally posted by: JulesMaximus
Why the fvck do people get so offended when someone asks for ID when you pay with a credit card? God the people of this country drive me fvcking crazy at times.

STFU and whip out your license you sniveling little fvck.
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You're free to leave.
 
Originally posted by: Lithium381
Not sure if this has been said or not since i didn't read the entire thread, just the top few....but according to VISA's own website you're not supposed to check the DL....just the signature on the back to the signature on the receipt....
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VISA is a dumb company, where I worked at least 50% of the cards I checked didn't have sh!t written on the back. Visa's logic is flawed, because if I steal your unsigned card, and sign it. The signature will match mine.
 
Originally posted by: QueBert
Originally posted by: Lithium381
Not sure if this has been said or not since i didn't read the entire thread, just the top few....but according to VISA's own website you're not supposed to check the DL....just the signature on the back to the signature on the receipt....
Click to expand...

VISA is a dumb company, where I worked at least 50% of the cards I checked didn't have sh!t written on the back. Visa's logic is flawed, because if I steal your unsigned card, and sign it. The signature will match mine.
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their logic is not flawed. if its signed, the user abides by visa/mc agreements. that means the user is not responsible for fraudulent charges. if it's unsigned, the user doesn't agree with visa/mc agreements and they put their ownself at risk. just sign the card like visa/mc require.
 
Originally posted by: LED
If the card is not signed on the back (which the OP didn't specify)...any State or establishment may request proper I.D.
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I know they have the right to refuse the card, but can they demand ID?
 
Originally posted by: dionx
Originally posted by: QueBert
Originally posted by: Lithium381
Not sure if this has been said or not since i didn't read the entire thread, just the top few....but according to VISA's own website you're not supposed to check the DL....just the signature on the back to the signature on the receipt....
Click to expand...

VISA is a dumb company, where I worked at least 50% of the cards I checked didn't have sh!t written on the back. Visa's logic is flawed, because if I steal your unsigned card, and sign it. The signature will match mine.
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their logic is not flawed. if its signed, the user abides by visa/mc agreements. that means the user is not responsible for fraudulent charges. if it's unsigned, the user doesn't agree with visa/mc agreements and they put their ownself at risk. just sign the card like visa/mc require.
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This is a good point... if the user doesn't sign the card and it's stolen, then I guess they aren't covered for anything that is charged on it. But would the credit card company have the balls to stand up to them? I certainly hope so. But who takes the hit when there's fraud? The CC company or the store? If it's the store, and Visa prohibits them from checking ID, then I think that's wrong. If they're putting the impetus on the store to prevent fraud, they ought to allow the store to do what's necessary to prevent fraud.

All these rules and laws to "protect" people (from inconvenience?) are just dumb. I blame California.
 
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