What's the problem people have with showing their ID with a Credit Card?

[iamme]

working in retail sucks because of having to deal with idiots like that.

 

[alkemyst]

Originally posted by: kranky
Mastercard (and I am 99% sure Visa is the same) says: "The merchant cannot require additional identification as a standard business practice when you use MasterCard for payment. There are a few exceptions, such as when additional information is required to complete the transaction. For example, a merchant will need your address if goods are to be delivered to your home."

In fact, they want people to report companies that require ID.

That said, the only reason I don't want to show ID to make a credit card purchase is I don't see any need for my personal information to be displayed to every cashier I meet. Nothing against your wife because she's just following store policy, but the policy is wrong.

My wife did mention it was for AMEX...I don't know if that made a difference, but regardless it's not my wife's call to change company policy.

Also I don't like the mastercard policy about that ID thing....what happens is the merchant gets screwed....the customer gets their money back, the merchant loses the goods and the purchase price.

 

[alkemyst]

Originally posted by: Shanti
It bothers me when places don't ask for ID.
But the worst is that when I went to get a sandwich as Subway last time, I used a card and they didn't even have me sign it. They said they had a new system and you didn't have to sign anymore.
WTF is up with that?

So now, if someone steals my card, they can just use it without knowing any PIN or having to sign?

Farm Stores here also, anything under $10 or $20, signature is not needed.

 

[Babbles]

Originally posted by: kt
I sign my card, "SEE ID".

Truth by told, that does not mean anything. You MUST sign the back of the credit card. You can sign it with your name followed by SEE ID, but people thinking that 'SEE ID' is good enough is more of an urban myth.

 

[Turkish]

wow what a biatch, your wife should have taken her name down and report her for racism or something... since she had a bunch of witnesses.
either way, where i am from (turkey), checking I.D.s for CC is required by law.

 

[kranky]

Originally posted by: alkemyst

Originally posted by: kranky
Mastercard (and I am 99% sure Visa is the same) says: "The merchant cannot require additional identification as a standard business practice when you use MasterCard for payment. There are a few exceptions, such as when additional information is required to complete the transaction. For example, a merchant will need your address if goods are to be delivered to your home."

In fact, they want people to report companies that require ID.

That said, the only reason I don't want to show ID to make a credit card purchase is I don't see any need for my personal information to be displayed to every cashier I meet. Nothing against your wife because she's just following store policy, but the policy is wrong.

My wife did mention it was for AMEX...I don't know if that made a difference, but regardless it's not my wife's call to change company policy.

Also I don't like the mastercard policy about that ID thing....what happens is the merchant gets screwed....the customer gets their money back, the merchant loses the goods and the purchase price.

I am almost certain that AmEx has the same rules for requiring ID. Regarding chargebacks, my understanding is that the merchant is to check that the signature on the card matches the signature on the sales receipt. If they match, the merchant is not held liable. I wonder if the store owner ought to take a stronger stand on the chargebacks. He/she should closely read the merchant agreement and make sure they aren't getting screwed by the CC company.

 

[cheapgoose]

you can agree or disagree with the policy but that lady's actions towards a store employee who is just following policy is just wrong. pretty fvcked up infact. I really do hope she gets what she deserves, what goes around comes around.

tell your wife she did a great job! i know if I was in that situation i would've probably lost control, start screaming back or something. another reason why I don't work retail anymore.

 

[whaleskinrug]

It's the way some clerks ask for it -- like they are super $4.50 an hour sleuths that have busted you

 

[neilm]

Wow, what a pyschopath. I wouldn't have a problem showing ID, I mean its extra secure that prevents cc fraud, only arrogant people so far up their own asses would start making a scene. Good on her btw.

 

[Triumph]

Originally posted by: Budmantom

Originally posted by: Triumph
When they ask me to show some ID for a debit card that has my picture on it, I draw the line.

Why?

Because my picture is on it?

 

[Budmantom]

Originally posted by: Triumph

Originally posted by: Budmantom

Originally posted by: Triumph
When they ask me to show some ID for a debit card that has my picture on it, I draw the line.

Why?

Because my picture is on it?

There are plenty of times in life when you have to "draw the line", but that's not one of them(but that's just me).

 

[DrPizza]

Originally posted by: kt
I sign my card, "SEE ID".

I used to sign my card "ASK FOR ID", but then I was correctly informed that regardless of showing ID, my signature on the card signifies that I am willing to abide by the credit companies policies. Thus, an unsigned card is invalid, even if you write "SEE ID." So, now I squeeze my signature in and I write "ASK FOR ID" with a sharpie on the card. If you're serious about protecting your card with that, write it on the FRONT of the card. Probably 50% of salespeople don't even look at the signature.

 

[DrPizza]

Originally posted by: Shanti
It bothers me when places don't ask for ID.
But the worst is that when I went to get a sandwich as Subway last time, I used a card and they didn't even have me sign it. They said they had a new system and you didn't have to sign anymore.
WTF is up with that?

So now, if someone steals my card, they can just use it without knowing any PIN or having to sign?

Signature not required for purchases under ($25 I believe)

 

[StageLeft]

What a bigoted skank!

 

[imported_Mike]

If the card isnt signed on the back, then I have to ask for ID. When I notice people becoming upset b/c the have to get out their wallet, I loose any sympathy & usually take an extra long period of time to check(longer than normal). Some people refuse & I could care less, its the policy, don't like it, shop elsewhere. Some people are greatful & start talking about how no one checks anymore.

 

[Ciber]

I personally hate signing and showing id.

I want to swipe the damn thing and get the hell out of there, i already wasted enough time in line because the damn store is too cheap to hire more cashiers.


What we need is a system that goes with our thumbprint, show up at cashier and press thumb against scanner and it instantly charges to your default credit account and off you go.

 

[DogFromDuckhunt]

Oh man, I've had a few people become irate when I asked to see their ID. After they swipe the card, I ask to see it and I look at the back to see if its signed and compare the signatures. If it isn't signed I ask for ID seeing as how its company policy.

What really takes the cake is when I used to work for Target. They have these machines that suck the card in and you do everything on a screen (enter Pin, sign) and when it took in his card he flipped and punched the machine breaking the LCD. Crazy mofo.

 

[athithi]

Originally posted by: Triumph

Originally posted by: Budmantom

Originally posted by: Triumph
When they ask me to show some ID for a debit card that has my picture on it, I draw the line.

Why?

Because my picture is on it?

I don't think it has as much to do with your picture as your full name. My face is barely visible on my driver's license and I've seen cashiers check my name, rather than my photo. And yes, I think most people wouldn't mind showing their ID if they were asked politely. But then again, maybe the store employees feel delicate about asking and it just comes out a bit curt unintentionally.

Now that I know 'most everybody gets asked for it, I won't feel so bad the next time I'm asked

 

[bubbadu]

It the card is signed, you shouldn't really have to provide I.d if the signature matches.

 

[kt]

Originally posted by: Babbles

Originally posted by: kt
I sign my card, "SEE ID".

Truth by told, that does not mean anything. You MUST sign the back of the credit card. You can sign it with your name followed by SEE ID, but people thinking that 'SEE ID' is good enough is more of an urban myth.

There's no clause in any of the Credit Card terms & agreement that you MUST sign your credit card. On all my CC terms & agreement documents, they always say "sign the card" OR "use the card" will activate your agreement. I know about the fact that merchant is not supposed to check your ID. But it's my choice, as the card holder, to let the merchants know that they should check anyone trying to use the CC. Urban myth or not urban myth, I rather someone fall short trying to use my credit card than having deal with all fraud charges if and when I lost my card.

 

[StageLeft]

BTW your wife should have threatened to get her EMmigration lawyer

 

[imported_Mike]

Originally posted by: kt

Originally posted by: Babbles

Originally posted by: kt
I sign my card, "SEE ID".

Truth by told, that does not mean anything. You MUST sign the back of the credit card. You can sign it with your name followed by SEE ID, but people thinking that 'SEE ID' is good enough is more of an urban myth.

There's no clause in any of the Credit Card terms & agreement that you MUST sign your credit card. On all my CC terms & agreement documents, they always say "sign the card" OR "use the card" will activate your agreement. I know about the fact that merchant is not supposed to check your ID. But it's my choice, as the card holder, to let the merchants know that they should check anyone trying to use the CC. Urban myth or not urban myth, I rather someone fall short trying to use my credit card than having deal with all fraud charges if and when I lost my card.

It's your choice...you don't have to sign the back, but if you don't, I have to check your ID.

 

[ReiAyanami]

stolen credit cards wouldn't be a problem if they just used a PIN # system (or even zip code like gas stations use) however the reality is that credit card companies like fraud. it gives them an excuse to charge the 2.2% they charge merchants to process fraud claims, even when the merchant is the one that picks up the full tab. this was shown in an anti-trust case that the 2 monopoly cred. co's settled for a few meager hundred million as the fraud rates of ATM/credit card hybrids were shown to be remarkably lower by using a PIN # instead of a stupid easily forgeable signature. likewise online merchants filed a separate suit although i'm pretty sure its still ongoing

 

[ReiAyanami]

you should have a big sign next to the counter that says all purchases using credit card must have ID, that way the dimwits will be more likely to understand

 

[dafatha00]

What people don't understand is that asking for identification is for THEIR protection. Its just another deterrence from allowing thieves to use your card that they just found. What did piss me off one time though was waiting in line and being asked for ID when the two people in front weren't asked for it.