Stein Mart

[thelowpriceleader]

Went to Stein Mart today. The credit card reader has Brother-label-maker created stickers that say "HOLD CARD FOR CASHIER."

 

Cashier: "I need to see your ID with the card."

Me: "It is a violation of your merchant agreement to require me to show ID with my card. See that the back of my card is signed?"

Cashier: "Don't you have your ID?"

Me: "Yes, I have it, but it is a violation of your merchant agreement to require me to show it to you."

Cashier: "But don't you have it?"

Me: "Yes, but the back of my card is signed and you can look at the signatures"

Cashier: "Sign the screen" (then hands card back to me as I sign)

 

salamanders. Never looked at the signature and still put my card through without the ID. Why even ask?

Edited October 30, 2007 by thelowpriceleader

[Continental]

salamanders indeed. Trying to get someone's ID is just about the most offensive and insulting thing the salamander cashier could do to a customer. No one should ever have to be put through such nonsense.

 

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 picture 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.

 

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 International, c/o Radio City Station, P. O. Box 1288, New York, NY 10101. 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.

 

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 issued your Visa card.

 

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."

[Continental]

"Hold card for cashier" simply means let the cashier compare the signature on the back of the credit card with the signature on the receipt. No reasonable adult would hand over their ID to some violating cashier on demand.

 

Never show ID for credit card purchases.

 

No ID required for credit card purchases. Merchants cannot require ID.

 

If a merchant tries to require ID, immediately call 1-800-VISA-911 to ensure they never do again.

 

VISA: 1-800-VISA-911

MasterCard: 1-800-300-3069

 

 

Also easily report merchant violations online:

 

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

 

Check the box that says "Merchant required ID"

 

 

Never show ID for credit card purchases.

 

No ID required for credit card purchases.

 

Make sure your community is 100% violation-free.

[gallagheria]

No ID required for credit card purchases, unless required by law. Merchants cannot require ID, unless you live in Washington.

 

. . .

 

Never show ID for credit card purchases, unless you are required to by law.

 

No ID required for credit card purchases, unless you live in Washington.

 

Make sure your community is 100% violation-free, and make sure you always obey the law yourself, which means show your ID when required such as when you use your credit card in Washington and the store demands your ID, or when you buy controlled substances, like alcohol, tobacco, money orders, lottery items, specific drugs, and other quality items, at which time you will still show that ID to the exact same cashier.

Edited March 31, 2009 by gallagheria

[GEORGE]

NO LAW SAYS YOU HAVE TO SHOW ID ON A SIGNED CREDIT CARD

 

It is also a violation of credit card policy

 

THEY WANT THE ID MORE THAN THEY WANT THE SALE...they get to put the stuff back

[gallagheria]

NO LAW SAYS YOU HAVE TO SHOW ID ON A SIGNED CREDIT CARD

 

It is also a violation of credit card policy

 

THEY WANT THE ID MORE THAN THEY WANT THE SALE...they get to put the stuff back

Sorry George, credit card policy does not trump the law. Washington has voided that contract clause, so bringing it up is moot. The law clearly says that anyone can require your ID with a credit card purchase.

 

Amazing you guys tend to memorize contract terms and spit them out repeatedly, all in the name of customer rights, but intentional omit the very law that says that contract is invalid.

 

(1) Any provision of a contract between a merchant or retailer and a credit or debit card issuer, financial institution, or other person that prohibits the merchant or retailer from verifying the identity of a customer who offers to pay for goods or services with a credit or debit card by requiring or requesting that the customer present additional identification is void for violation of public policy.

Edited March 31, 2009 by gallagheria

[GEORGE]

NO LAW SAYS YOU HAVE TO SHOW ID ON A SIGNED CREDIT CARD

 

It is also a violation of credit card policy

 

THEY WANT THE ID MORE THAN THEY WANT THE SALE...they get to put the stuff back

Sorry George, credit card policy does not trump the law. Washington has voided that contract clause, so bringing it up is moot. The law clearly says that anyone can require your ID with a credit card purchase.

 

Amazing you guys tend to memorize contract terms and spit them out repeatedly, all in the name of customer rights, but intentional omit the very law that says that contract is invalid.

 

(1) Any provision of a contract between a merchant or retailer and a credit or debit card issuer, financial institution, or other person that prohibits the merchant or retailer from verifying the identity of a customer who offers to pay for goods or services with a credit or debit card by requiring or requesting that the customer present additional identification is void for violation of public policy.

YOU KEEP ON THINKING THAT THE LAW SAYS THAT IT IS REQUIRED TO SEE AN ID TO USE A CREDIT CARD

 

[Continental]

Never show ID for credit card purchases, unless required by law.

 

No ID required for credit card purchases, unless you live in Washington.

Stop making things up Gallagheria. There is no law requiring ID with credit cards in any state including Washington. Where you live is irrelevant. No law requires you to show ID with credit cards PERIOD.

 

Are you trying to keep people away from Washington? Do you enjoy attempting to discourage others from visiting Washington by suggesting they will be violated at every POS? You are a public relations disaster and a disgrace to this state.

[gallagheria]

NO LAW SAYS YOU HAVE TO SHOW ID ON A SIGNED CREDIT CARD

 

It is also a violation of credit card policy

 

THEY WANT THE ID MORE THAN THEY WANT THE SALE...they get to put the stuff back

Sorry George, credit card policy does not trump the law. Washington has voided that contract clause, so bringing it up is moot. The law clearly says that anyone can require your ID with a credit card purchase.

 

Amazing you guys tend to memorize contract terms and spit them out repeatedly, all in the name of customer rights, but intentional omit the very law that says that contract is invalid.

 

(1) Any provision of a contract between a merchant or retailer and a credit or debit card issuer, financial institution, or other person that prohibits the merchant or retailer from verifying the identity of a customer who offers to pay for goods or services with a credit or debit card by requiring or requesting that the customer present additional identification is void for violation of public policy.

YOU KEEP ON THINKING THAT THE LAW SAYS THAT IT IS REQUIRED TO SEE AN ID TO USE A CREDIT CARD

 

You are trying to play with words and avoid the truth, George. I am on the website to help people just like you. With that comes responsibility to make sure they know the facts.

 

For the most part, ID's are not needed with credit card transactions. This is because of the contracts merchants must sign. But this is not always the case. Washington has voided these contract clauses and specifically states under law that merchants have every right to require an ID with credit card transactions. They do not have to check them, according to the law; however, under the same law, they have the power to require them if they so choose.

 

So if you are going to tell the facts, then tell the facts.

[hegemony]

what kind of stein did you buy?

[GEORGE]

Somebody is hitting the bottle a little early

 

It is not the weekend yet

 

BUH BYE

 

[Continental]

Stop making things up Gallagheria. There is no law requiring ID with credit cards in any state including Washington. Where you live is irrelevant. No law requires you to show ID with credit cards PERIOD.

 

Are you trying to keep people away from Washington? Do you enjoy attempting to discourage others from visiting Washington by suggesting they will be violated at every POS? You are a public relations disaster and a disgrace to this state.

This ID nonsense is not tolerated in Washington state by the general public and one may easily go months on end without ever being asked. The post-911 embarrassment in Washington state has remained virtually unknown and ignored. Continue to report complaints (if any) as usual and the nonsense will stop.

[Uncle Leo]

NO LAW SAYS YOU HAVE TO SHOW ID ON A SIGNED CREDIT CARD

 

It is also a violation of credit card policy

 

THEY WANT THE ID MORE THAN THEY WANT THE SALE...they get to put the stuff back

Sorry George, credit card policy does not trump the law. Washington has voided that contract clause, so bringing it up is moot. The law clearly says that anyone can require your ID with a credit card purchase.

 

Amazing you guys tend to memorize contract terms and spit them out repeatedly, all in the name of customer rights, but intentional omit the very law that says that contract is invalid.

 

(1) Any provision of a contract between a merchant or retailer and a credit or debit card issuer, financial institution, or other person that prohibits the merchant or retailer from verifying the identity of a customer who offers to pay for goods or services with a credit or debit card by requiring or requesting that the customer present additional identification is void for violation of public policy.

YOU KEEP ON THINKING THAT THE LAW SAYS THAT IT IS REQUIRED TO SEE AN ID TO USE A CREDIT CARD

 

 

You are technically correct, the law does not *require* ID checking. The law merely forbids the card companies from prohibiting it, thus allowing the individual merchants the legally acceptable option of requiring ID. You, George, would then be forced to actually walk away and go to another store, as you continually claim that you will do.

 

All that extra driving and store searching just might make your credit card more expensive than "expensive cash".

[Uncle Leo]

Never show ID for credit card purchases, unless you are required to by law. There is still no law that requires checking of ID.

 

No ID required for credit card purchases, unless you live in Washington. ...and it is required by the merchant.

 

Make sure your community is 100% violation-free, and make sure you always obey the law yourself, which means show your ID when required such as when you use your credit card in Washington and the store demands your ID, or when you buy controlled substances, like alcohol, tobacco, money orders, lottery items, specific drugs, and other quality items, at which time you will still show that ID to the exact same cashier.

 

You are incorrect. The law does not *require* ID checking. The law merely forbids the card companies from prohibiting it, thus allowing the individual merchants the legally acceptable option of requiring ID, which is not the same thing as outright mandating it.

[GEORGE]

ASK TILL THE COWS COME HOME...you back-off...I don't

[hlburi]

Oh Good Grief...

 

[thelowpriceleader]

That WA law may say they can require ID, but it does not address the fact that merchants may NOT impose ANY policy on credit card customers that makes the transaction handled any differently than a cash transaction. Additionally, the merchant is to honor all cards, no questions asked, period. Also, the credit card companies have reworded their policy saying that the merchant cannot refuse a transaction on the basis of no ID being presented. This WA law says nothing about transaction refusal nor does it permit that.

 

This WA law is basically meaningless, as evidenced by my many visits to WA where merchants are not IDing for credit card use. Not even the state of WA IDs on their ferrys in Seattle area; in fact, they follow the card acceptance contract to the T and even reject unsigned cards. They have sharpies at the payment booth for you to sign your card, if you give them an unsigned card.

 

Go to WA and see for yourself how they process credit card transactions.

[GEORGE]

No law says you have to drive car/truck

 

...so why would EVERYBODY have this magical "ID"

 

 

THE CREDIT CARD COMPANIES DON'T SAY THAT THEY

ONLY WILL OFFER CREDIT CARDS TO PEOPLE WHO DRIVE

Edited April 1, 2009 by GEORGE

[gallagheria]

That WA law may say they can require ID, but it does not address the fact that merchants may NOT impose ANY policy on credit card customers that makes the transaction handled any differently than a cash transaction. Additionally, the merchant is to honor all cards, no questions asked, period. Also, the credit card companies have reworded their policy saying that the merchant cannot refuse a transaction on the basis of no ID being presented. This WA law says nothing about transaction refusal nor does it permit that.

 

This WA law is basically meaningless, as evidenced by my many visits to WA where merchants are not IDing for credit card use. Not even the state of WA IDs on their ferrys in Seattle area; in fact, they follow the card acceptance contract to the T and even reject unsigned cards. They have sharpies at the payment booth for you to sign your card, if you give them an unsigned card.

 

Go to WA and see for yourself how they process credit card transactions.

They voided the contract clause prohibiting ID checking. If they want to check it, they can; if they do not, then they don't have to. The credit card companies have no say. So yes, some places will only go by the signature, as some will require ID's.

 

 

George, you continue argue that driver's licenses are used for driving. Sorry to break the news, but they are also used for identification purposes. State and Federal laws recognize driver's licenses as identification cards. That is why if you are disabled, or even underage, you can get a state issued identification card that guess what? Looks identical to a driver's license.

[GEORGE]

POST YOUR ID HERE

 

 

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Edited April 1, 2009 by GEORGE

[gallagheria]

Make sure you send me a free shirt now.

 

[hegemony]

Oh Good Grief...

 

it is like deja vu all over again

[thelowpriceleader]

There are numerous other portions of the acceptance contract that are broken when they refuse to accept a card, for any reason. This is why the WA law is meaningless. The WA law does not say they can refuse a card, it just says they can require ID. As I said, the credit card companies have worded their rules to get around this law and essentially deem the law meaningless.

 

As evidenced by the number of merchants in WA state that require ID (few to none), especially after I spoke with store management, it seems nobody is taking that law seriously at all.

[Uncle Leo]

There are numerous other portions of the acceptance contract that are broken when they refuse to accept a card, for any reason. This is why the WA law is meaningless. The WA law does not say they can refuse a card, it just says they can require ID. As I said, the credit card companies have worded their rules to get around this law and essentially deem the law meaningless.

 

Such as...?

[hegemony]

I'd still like to know what kind of stein you bought. thanks.