I thought they weren't allowed to ask for ID.?

[stljohn]

I've been dealing with that "ID thing" for many many years. As far back as the early 90s I found they only asked in stores in "certain" neigborhoods or stores frequented by "certain" people.

 

I'd tell them about the rule but they didn't care.

 

Once it seemed that the practice of requesting ID became more widespread I stopped fighting.

One of the Office Max/Depot stores in St Charles Mo that asks for ID for like 20 dollar purchases. Seems totally anal.

 

The card issuers intent is that purchasing be completely transparent but some merchants have told me the issuers would often leave the merchant holding the sack on fradulent transactions. I dunno I suspect the merchants are over-reacting to something else they did wrong in the transaction that made them responsible but who knows.

 

The only thing I know is there aint no enforcement or penalty if they do ask so its your choice to stand on principal.

 

That signature thing... I laugh that people think they are being clever by not signing it. No offense ya'll.

[GEORGE]

I use cash for small purchases. I never get asked for ID and I never have to sign the money I give them in order to get my purchases.

I will send you $10,000.01 CASH MONEY GRAM

 

You try to pick up the cash with-out ID

 

Then you spend that "CASH" on one single transaction at a single business with-out ID

 

http://www.irs.gov/pub/irs-pdf/f8300.pdf

 

Report of Cash Payments Over $10,000

Received in a Trade or Business

 

 

 

 

 

 

 

j/k about sending you the money

 

HINT--->THE STUPID ID ON THE T-SHIRT DEAL

 

Somebody will sue me on your behalf

I don't consider a 10K purchase small.

Just making a point

 

Using only cash does not prevent showing ID

 

But using a CREDIT CARD at POS (when no age restricted items are purchased) SHOULD ALWAYS BE ID FREE

Edited July 17, 2009 by GEORGE

[beli]

Look I know it's Mc/Visa's rules, they also have rules of no miniums but almost every gas station (at least here where I live) has at least a 5 dollar minium to use a charge.

 

I'm assuming they have a "company" policy becasue of lots of charge backs due to fraud. Or they simply don't know Mc/visa rules, or they do, and don't care and are using "company policy" to cover their butts.

 

Our Drivers license doesn't have Dob, just date of issue/signature/License # and address.

 

I realize some drivers lincese also use ssn number as their license # which I think is pretty stupid.

I spent $1.97 to top off the lawnmower gas can

 

...start of season added "FRESH" gas

 

But I only use PAY-AT-THE-PUMP

 

Nobody came running out to tell me I have to spend $5.00 minimum

When you go into the store there is a sign on top of the cash register that you have to spend 5/min if you plan on charging.

[GEORGE]

Look I know it's Mc/Visa's rules, they also have rules of no miniums but almost every gas station (at least here where I live) has at least a 5 dollar minium to use a charge.

 

I'm assuming they have a "company" policy becasue of lots of charge backs due to fraud. Or they simply don't know Mc/visa rules, or they do, and don't care and are using "company policy" to cover their butts.

 

Our Drivers license doesn't have Dob, just date of issue/signature/License # and address.

 

I realize some drivers lincese also use ssn number as their license # which I think is pretty stupid.

I spent $1.97 to top off the lawnmower gas can

 

...start of season added "FRESH" gas

 

But I only use PAY-AT-THE-PUMP

 

Nobody came running out to tell me I have to spend $5.00 minimum

When you go into the store there is a sign on top of the cash register that you have to spend 5/min if you plan on charging.

I have been INSIDE like 4 or 5 times

 

PROPANE has to be paid for inside

 

And the pump ran out of paper a few times

 

...and I am going to read a sign that I have no reason to follow

 

[beli]

That signature thing... I laugh that people think they are being clever by not signing it. No offense ya'll.

No offense taken. I'd much rather have a cashier ask for my id to prove who I am, then fight the bank/and or credit card issuer on what might be a fradulant charge.

 

Granted, these days most banks/card issuers pretty on top of the game when it comes to fradulant charges, but why take that chance?

[beli]

Look I know it's Mc/Visa's rules, they also have rules of no miniums but almost every gas station (at least here where I live) has at least a 5 dollar minium to use a charge.

 

I'm assuming they have a "company" policy becasue of lots of charge backs due to fraud. Or they simply don't know Mc/visa rules, or they do, and don't care and are using "company policy" to cover their butts.

 

Our Drivers license doesn't have Dob, just date of issue/signature/License # and address.

 

I realize some drivers lincese also use ssn number as their license # which I think is pretty stupid.

I spent $1.97 to top off the lawnmower gas can

 

...start of season added "FRESH" gas

 

But I only use PAY-AT-THE-PUMP

 

Nobody came running out to tell me I have to spend $5.00 minimum

When you go into the store there is a sign on top of the cash register that you have to spend 5/min if you plan on charging.

I have been INSIDE like 4 or 5 times

 

PROPANE has to be paid for inside

 

And the pump ran out of paper a few times

 

...and I am going to read a sign that I have no reason to follow

 

 

George, i'm just saying it's around here, several stores have it... not saying it's everywhere.

[GEORGE]

That signature thing... I laugh that people think they are being clever by not signing it. No offense ya'll.

No offense taken. I'd much rather have a cashier ask for my id to prove who I am, then fight the bank/and or credit card issuer on what might be a fradulant charge.

 

Granted, these days most banks/card issuers pretty on top of the game when it comes to fradulant charges, but why take that chance?

PROVE I AM NOT ME WITH-OUT ME SHOWING ID

 

PROVE THE CREDIT CARD IS NOT MINE WITH-OUT SHOWING YOU ID

Edited July 17, 2009 by GEORGE

[GEORGE]

I've been dealing with that "ID thing" for many many years. As far back as the early 90s I found they only asked in stores in "certain" neigborhoods or stores frequented by "certain" people.

 

I'd tell them about the rule but they didn't care.

 

Once it seemed that the practice of requesting ID became more widespread I stopped fighting.

One of the Office Max/Depot stores in St Charles Mo that asks for ID for like 20 dollar purchases. Seems totally anal.

 

The card issuers intent is that purchasing be completely transparent but some merchants have told me the issuers would often leave the merchant holding the sack on fradulent transactions. I dunno I suspect the merchants are over-reacting to something else they did wrong in the transaction that made them responsible but who knows.

 

The only thing I know is there aint no enforcement or penalty if they do ask so its your choice to stand on principal.

 

That signature thing... I laugh that people think they are being clever by not signing it. No offense ya'll.

Yes I have a LICENSE TO DRIVE...it is in my wallet till somebody needs to see it by law

 

USING A DRIVER'S LICENSE AS A CREDIT CARD USE PERMIT IS NOT ONE OF THOSE REASONS

[improper_validation]

Just to clarify, I do not beleive it is illegal. Against their merchant agreement yes, illegal no.

 

Correct me if I am wrong pls..

 

sorry. thats what i meant. I was just annoyed.

Why would you be annoyed? personally if it were me I woudn't be, they are preventing Id theft by making sure your the owner of the card.

 

I never keep my cards signed so they HAVE to ask for ID. In fact when I grab my card, my id is right behind it.

 

But if you complain to MC/Visa unless there's alot of complaints against that merchant MC/Visa won't do anything.

 

Heh.....

 

Googling for just this will get you a second result and for $100 they will make an ID with your name and my picture.

 

Why would you care if somebody store CCs?

[GEORGE]

NOT THAT I WANT TO ENCOURAGE CREDIT CARD THEFT...but what credit cards do YOU have that you are not protected from fraud

 

You people that changed your name to CID can ignore the above about being protected

[2fast]

Just to clarify, I do not beleive it is illegal. Against their merchant agreement yes, illegal no.

 

Correct me if I am wrong pls..

 

sorry. thats what i meant. I was just annoyed.

Why would you be annoyed? personally if it were me I woudn't be, they are preventing Id theft by making sure your the owner of the card.

 

I never keep my cards signed so they HAVE to ask for ID. In fact when I grab my card, my id is right behind it.

 

But if you complain to MC/Visa unless there's alot of complaints against that merchant MC/Visa won't do anything.

While I completely agree with you on the extra safety of the merchant asking for a picture ID for your card purchase you are wasting your time arguing the point here. This is one of the small victories that seem to really make people happy. Kindof like when they beat a seat belt ticket.

There was a post n here today from someone wondering hwo to keep his $250,000 limit worth the cards safe, why bother, as long as they're signed he's 100% safe right? Yeah, I keep an eye on my cards too.

It isn't true however that you need a lot of complaints to get it changed though. A single call had me talking to a merchant yesterday.

Edited July 17, 2009 by 2fast

[GEORGE]

I can pull out the POLICY out of my wallet...THAT THEY AGREED TO WHEN THEY SIGNED UP FOR SERVICE

 

It is kept in that place some people keep that EXPENSIVE CASH

[improper_validation]

I can pull out the POLICY out of my wallet...THAT THEY AGREED TO WHEN THEY SIGNED UP FOR SERVICE

 

It is kept in that place some people keep that EXPENSIVE CASH

 

Do you have like a mini copy of it?

 

I want one.

[GEORGE]

I can pull out the POLICY out of my wallet...THAT THEY AGREED TO WHEN THEY SIGNED UP FOR SERVICE

 

It is kept in that place some people keep that EXPENSIVE CASH

 

Do you have like a mini copy of it?

 

I want one.

When should you ask a cardholder for an official government ID? Although Visa

rules do not preclude merchants from asking for cardholder ID, merchants

cannot make an ID a condition of acceptance. Therefore, merchants cannot

refuse to complete a purchase transaction because a cardholder refuses to

provide ID. Visa believes merchants should not ask for ID as part of their

regular card acceptance procedures. Laws in several states also make it illegal

for merchants to write a cardholder’s personal information, such as an address or

phone number, on a sales receipt.

 

PAGE 29 of 141 pdf

 

http://usa.visa.com/download/merchants/rul...a_merchants.pdf

[GEORGE]

NOT THAT I WANT TO ENCOURAGE CREDIT CARD THEFT...but what credit cards do YOU have that you are not protected from fraud

 

You people that changed your name to CID can ignore the above about being protected

Some customers write “See ID†or “Ask for ID†in the signature panel, thinking

that this is a deterrent against fraud or forgery; that is, if their signature is not on

the card, a fraudster will not be able to forge it. In reality, criminals don’t take the

time to practice signatures: they use cards as quickly as possible after a theft and

prior to the accounts being blocked. They are actually counting on you not to look

at the back of the card and compare signatures—they may even have access to

counterfeit identification with a signature in their own handwriting.

“See ID†or “Ask for ID†is not a valid substitute for a signature.

The customer

must sign the card in your presence, as stated above.

Edited July 17, 2009 by GEORGE

[green2408]

Just to clarify, I do not beleive it is illegal. Against their merchant agreement yes, illegal no.

 

Correct me if I am wrong pls..

 

sorry. thats what i meant. I was just annoyed.

Why would you be annoyed? personally if it were me I woudn't be, they are preventing Id theft by making sure your the owner of the card.

 

I never keep my cards signed so they HAVE to ask for ID. In fact when I grab my card, my id is right behind it.

 

But if you complain to MC/Visa unless there's alot of complaints against that merchant MC/Visa won't do anything.

 

 

In my experience all the stores I've reported have quit requiring ID.

If you lose your unsigned card and a thief finds it and uses it, and then the card is recovered, which they very frequently are, and the CC company can see that you didn't sign your card, you may not be protected. It says right on the back that the card is not valid unless signed.

[green2408]

That signature thing... I laugh that people think they are being clever by not signing it. No offense ya'll.

No offense taken. I'd much rather have a cashier ask for my id to prove who I am, then fight the bank/and or credit card issuer on what might be a fradulant charge.

 

Granted, these days most banks/card issuers pretty on top of the game when it comes to fradulant charges, but why take that chance?

 

 

Why take the chance with identity theft, which is a much more serious problem to the consumer that could be caused by showing ID to strangers.

[GEORGE]

Just to clarify, I do not beleive it is illegal. Against their merchant agreement yes, illegal no.

 

Correct me if I am wrong pls..

 

sorry. thats what i meant. I was just annoyed.

Why would you be annoyed? personally if it were me I woudn't be, they are preventing Id theft by making sure your the owner of the card.

 

I never keep my cards signed so they HAVE to ask for ID. In fact when I grab my card, my id is right behind it.

 

But if you complain to MC/Visa unless there's alot of complaints against that merchant MC/Visa won't do anything.

I really want to know WHY people won't show their ID to the lady washing her car at the car wash

 

...won't show your ID to the guy walking down the street

 

...won't show your ID to the trash man

 

...won't show your ID to the guy checking out books at the library

 

...won't show your ID to the lady eating lunch at the sidewalk cafe

 

BUT WILL SHOW YOUR ID TO THE CASHIER WITH-OUT BATTING AN EYE

 

(some even demand it--->CID is your new name)

 

(not saying ALL cashiers are bad people)

 

As with any job...there are some bad apples

[improper_validation]

Thanks GEORGE, I modified it a bit.

 

Send violations to:

 

Visa U.S.A.

PO Box 8999

San Francisco, California 94128-8999

 

 

Fold and keep two copies in your wallet.

 

http://www.mediafire.com/?sharekey=792e454...04e75f6e8ebb871

[thelowpriceleader]

I've been to 3 (different) Dairy Queens since the first of the year and didn't have to sign anything nor did I have to show any ID to make my purchases. It is absolutely not their company policy. I'm pretty sure the 3 locations I visted are all different franchises. Call 1-800-300-3069 then 1, 3, 0 to file a report with MasterCard against this Dairy Queen. Have the address and phone number of this place.

 

It isn't illegal for them to ID, but it is against the terms of the credit card acceptance agreement. So they are violating a legal contract between merchant and card processing company, but not breaking any laws.

 

As far as the person who had to chime in about not signing your card or writing See ID on your card, I hope whoever does that enjoys being liable for ALL fraud should their card be stolen. You are required to sign the back of your card to acknowledge the terms and conditions of your cardholder's agreement. One of those terms is "zero fraud liability" if you follow your cardholder's agreement. Part of that agreement is that you SIGN THE BACK OF YOUR CARD with YOUR SIGNATURE.

 

Here is what Visa/MC have to say about acceptance of unsigned credit cards to merchants:

 

http://usa.visa.com/merchants/risk_managem...rd_present.html

 

http://www.mastercard.com/ca/wce/PDF/Unsig...ds-(Global).pdf

[GEORGE]

ASK AWAY...they back down...I don't

 

Ask till the cows come home for all I care...they back down...I don't

[Continental]

..Visa believes merchants SHOULD NOT ASK for ID as part of their regular card acceptance procedures. So if you are ever asked for ID, immediately call 1-800-VISA-911 to ensure the practice is stopped at once.

 

CREDIT CARD SIGNATURE IS ALL THE ID NEEDED

 

When you pay for merchandise with a Visa card, MasterCard, or American Express any store that accepts these cards should accept yours too, no questions asked. It's part of the deal that merchants agree to when they become participating members.

 

They must check your signature and the card - electronically or by telephone - to be sure it's valid. Once the answer comes up yes, they can go ahead and charge. They can't ask you for any further identification - not a license plate number, Social Security number, proof of address, phone number or photo ID.

 

Your personal ID isn't needed because Visa, MasterCard, and American Express all guarantee payment on cards that have been properly checked. If the issuer mistakenly authorizes a sale on a bad card, it should make good. MasterCard says that merchants receive instant settlement. The contract MasterCard merchants sign specifically prevents them from asking for personal ID.

 

Unfortunately, not all merchants play by the rules. Some, apparently, haven't read them.

 

WHAT YOU CAN DO

 

MasterCard wants to hear about merchants who break their rules. Send the name and address and an account of what happened to MasterCard WorldWide 2000 Purchase St. Purchase, NY 10577 or call 1-800-300-3069. The merchant's bank will get a stiff letter, ordering it to investigate and bring the offending store into line - or pay a $2,000 fine. You may also report violations online:

 

http://www.mastercard.com/us/personal/en/c...violations.html

 

Visa enforces the same rules as MasterCard. "When we hear about a violation, we ask the bank that signed the merchant to get together with the merchant and see that the practice is stopped," Visa representative states. To report a merchant, send a letter to the bank that that issued your Visa card or call 1-800-VISA-911.

 

American Express also prohibits merchants from asking for IDs. "All a merchant is supposed to do is take an imprint, make sure the signature matches and swipe the card through the terminal, to get authorization."

[Grizzly Bear]

That signature thing... I laugh that people think they are being clever by not signing it. No offense ya'll.

No offense taken. I'd much rather have a cashier ask for my id to prove who I am, then fight the bank/and or credit card issuer on what might be a fradulant charge.

 

Granted, these days most banks/card issuers pretty on top of the game when it comes to fradulant charges, but why take that chance?

 

 

So................. since some businesses require an ID, you can sleep at night because you think this protects you? A thief couldn't possibly find places to max out your card (in short order, I might add) because you feel you're protected because SOME businesses ask for your ID?

[GEORGE]

That signature thing... I laugh that people think they are being clever by not signing it. No offense ya'll.

No offense taken. I'd much rather have a cashier ask for my id to prove who I am, then fight the bank/and or credit card issuer on what might be a fradulant charge.

 

Granted, these days most banks/card issuers pretty on top of the game when it comes to fradulant charges, but why take that chance?

...they may even have access to

counterfeit identification with a signature in their own handwriting.

 

Direct from VISA USA credit card policy

[stljohn]

That signature thing... I laugh that people think they are being clever by not signing it. No offense ya'll.

No offense taken. I'd much rather have a cashier ask for my id to prove who I am, then fight the bank/and or credit card issuer on what might be a fradulant charge.

 

Granted, these days most banks/card issuers pretty on top of the game when it comes to fradulant charges, but why take that chance?

 

 

But... where does it say that will protect you? Not the issuer.

 

The issuers say sign the card and you're liable for $50 in fraudulent charges only if you fail to notify them of a lost card within x hours.

 

I've never noticed anthing that said if you "write See ID in the signature bar you're good."