68 replies to this topic

[snark]

Seriously, though....

Is presenting an ID or signing a receipt worth your security?

Seems from the posts I have been reading here that a lot of folks just want the convenience and don't seem to care much about their Identities possibly being stolen...

PLEASE correct me if I am wrong...

I have lived nearly everywhere (Air Force Retiree) and I have always valued my personal security....but this board has me wondering if WE aren't part of the problem of Identity theft....

[GotCredit?]

I think you are putting yourself at risk by not signing your card. I think your signature is part of the requirements to avoid being charged for fraudulent purchases, along with such as reporting a lost card within 24-48 hours of your discovery ect.

<{POST_SNAPBACK}>

Speaking of that, if you just put "See ID" on your CC and not your signature, then if you call for fraudlent charges isnt that claim null and void due to no sig? In other words, to make a claim stick dont you have to have your CC signed??

[GotCredit?]

Seriously, though....

Is presenting an ID or signing a receipt worth your security?

Seems from the posts I have been reading here that a lot of folks just want the convenience and don't seem to care much about their Identities possibly being stolen...

PLEASE correct me if I am wrong...

I have lived nearly everywhere (Air Force Retiree) and I have always valued my personal security....but this board has me wondering if WE aren't part of the problem of Identity theft....

<{POST_SNAPBACK}>

I think what it is Mr. Snark, Esquire ( ) is that if you are so persistant on them seeing your ID then bust it out and show it to the person behind the counter and let them know of your fear. As for me, my card is signed and when I sign the recent (where applicable) they can look at both and match em up. Also, people realize, as I said before, that most fraud is done w/o physically having your CC. If your card is stolen then report it and any the CSR will go back to the time the card was stolen and make sure none of the charges were yours. Either way, if they dont ask for your ID and your so admiment about it, then make em see it.

[Quit Screwing Me]

I saw that site once before. It's hysterical. I believe it whole-heartedly.

[Quit Screwing Me]

800-------yes. 24-48 hours after discovery, but then you can just say you hadn't discovered it earlier. Yes, you have to sign your card, but they don't send the police to your door to check signatures, they're just going to call you on the phone and ask if it was signed, and you can sign it AS you are telling them, "yes, it sure was".

[Quit Screwing Me]

I don't know how to cross link.

But look for the thread I started yesterday about what FNBMarin TOLD me to do. It was about this very subject.

[pryan67]

This is nothing new. For the past several months, none of the gas stations I go to have been requiring me to sign a receipt...

<{POST_SNAPBACK}>

If you pay at the pump, you don't sign anything either. Although some bigger cities are requiring a billing zipcode. Some states let you to pump your own gas, unlike New Jersey. Why is that?

<{POST_SNAPBACK}>

Jersey has it so it's a make-work project...

[Dwayne]

The bigger problem I was alluding to was the fact that it really doesn't matter what's on the back of my card, it's never checked.

Sure, they can compare signatures, but they'd actually have to look at the back of the card, which nobody does. That's why I could write "bite my a$$" on my card, and it wouldn't matter. So, whether I have my signature or "ask for id" or both on my card, it's moot, nobody checks anymore.

[Quit Screwing Me]

LOL

"bite my a$$". I bet that'd hurt.

[rdgamblr]

Yikes!

It was a Walgreens in Rockford, Illinois, too....

<{POST_SNAPBACK}>

scary as i too am in rockford.


I don't mind that we don't sign as most cashiers. 6.50-7$ job don;t look at the signature anyway. Just glance incase their boss is watching. I know years back when i worked retail their were times people would pay back in my electornics department. I looked at cards but only to see if people signed what looked ot be the same name as imprinted on the card.

In my gambling life i used to see a lot of men try to get a cash advance of their "wife, GF, mothers" card only the card only had the female's name so we wouldn't give them the cash. They could have been listed as an AU on the acct but I ain't handing over $1500 to someone off a card that ain't thiers.

[pryan67]

Yikes!

It was a Walgreens in Rockford, Illinois, too....

<{POST_SNAPBACK}>

scary as i too am in rockford.


I don't mind that we don't sign as most cashiers. 6.50-7$ job don;t look at the signature anyway. Just glance incase their boss is watching. I know years back when i worked retail their were times people would pay back in my electornics department. I looked at cards but only to see if people signed what looked ot be the same name as imprinted on the card.

In my gambling life i used to see a lot of men try to get a cash advance of their "wife, GF, mothers" card only the card only had the female's name so we wouldn't give them the cash. They could have been listed as an AU on the acct but I ain't handing over $1500 to someone off a card that ain't thiers.

<{POST_SNAPBACK}>

never knew I had so many neighbors here...*grin* I'm about a half hour from Rockford...

but the cashiers SHOULD be checking the signatures...that's part of their job...

[tattedbrat]

I have signed the back of my cards but underneath the signature I also write "check id". I still only get asked for id every great once in awhile. 95% of places I have used my card at never even look at the back to compare signatures and when the do look at id they again don't check the signatures they just make sure the name matches and that the photo looks close enough. In these instances I have often wondered what might happen if I used my sister's credit card with my id or vice versa, we have similair names. Most likely NOTHING!

[GEORGE]

I have signed the back of my cards but underneath the signature I also write "check id". I still only get asked for id every great once in awhile. 95% of places I have used my card at never even look at the back to compare signatures and when the do look at id they again don't check the signatures they just make sure the name matches and that the photo looks close enough. In these instances I have often wondered what might happen if I used my sister's credit card with my id or vice versa, we have similair names. Most likely NOTHING!

<{POST_SNAPBACK}>

I SIGN ALL MINE...ALWAYS HAVE!!!

"VOID IF NOT SIGNED"

"NOT VALID UNLESS SIGNED"

[GEORGE]

SIGN SIGNATURE SLIP

COMPARE THE SIGNATURE WITH THE CARD NAME AND SIGNATURE ON THE CARD

ID IS NOT REQUIRED ON A SIGNED CARD!!!

[GEORGE]

SEE ID

SEE LICENSE

CID

ARE NOT LEGAL SIGNATURES...RENDERING THE CARD VOID

Some (NOT ALL) businesses will refuse unsigned cards (POST OFFICE) is one major player

Edited by GEORGE, 13 January 2005 - 08:04 PM.

[rickyrhea]

If you read your terms, you have to sign the card for it to be valid

[Dwayne]

George, none of that matters if they don't even check the back of the card. That's the whole point of all this.

[GEORGE]

Seriously, though....

Is presenting an ID or signing a receipt worth your security?

Seems from the posts I have been reading here that a lot of folks just want the convenience and don't seem to care much about their Identities possibly being stolen...

PLEASE correct me if I am wrong...

I have lived nearly everywhere (Air Force Retiree) and I have always valued my personal security....but this board has me wondering if WE aren't part of the problem of Identity theft....

<{POST_SNAPBACK}>

I think what it is Mr. Snark, Esquire ( ) is that if you are so persistant on them seeing your ID then bust it out and show it to the person behind the counter and let them know of your fear. As for me, my card is signed and when I sign the recent (where applicable) they can look at both and match em up. Also, people realize, as I said before, that most fraud is done w/o physically having your CC. If your card is stolen then report it and any the CSR will go back to the time the card was stolen and make sure none of the charges were yours. Either way, if they dont ask for your ID and your so admiment about it, then make em see it.

<{POST_SNAPBACK}>

My license STAYS IN MY WALLET!!! (ALWAYS DOES)

Except I had to take it out to PROVE I'M ME FOR THE SUV I JUST BOUGHT...

(not for the CREDIT CARD TRANSACTION)

AMEX DELTA BTW $17,900+

[GEORGE]

If you read your terms, you have to sign the card for it to be valid

<{POST_SNAPBACK}>

BY SIGNING THE CARD...

YOU AGREE TO THE TERMS OF THE ACCOUNT...

[GEORGE]

I think you are putting yourself at risk by not signing your card. I think your signature is part of the requirements to avoid being charged for fraudulent purchases, along with such as reporting a lost card within 24-48 hours of your discovery ect.

<{POST_SNAPBACK}>

Speaking of that, if you just put "See ID" on your CC and not your signature, then if you call for fraudlent charges isnt that claim null and void due to no sig? In other words, to make a claim stick dont you have to have your CC signed??

<{POST_SNAPBACK}>

If a LOST/STOLEN credit card is picked up at a POS and is returned to your bank...THEY "CAN" REFUSE TO COVER ALL THE FRADULANT CHARGES ON YOUR CARD (probably will cover them...BUT THEY DON'T HAVE TO)...since you were not accepting the rules of the credit card company (YOU MADE YOUR OWN RULES)

[GotCredit?]

I think you are putting yourself at risk by not signing your card. I think your signature is part of the requirements to avoid being charged for fraudulent purchases, along with such as reporting a lost card within 24-48 hours of your discovery ect.

<{POST_SNAPBACK}>

Speaking of that, if you just put "See ID" on your CC and not your signature, then if you call for fraudlent charges isnt that claim null and void due to no sig? In other words, to make a claim stick dont you have to have your CC signed??

<{POST_SNAPBACK}>

If a LOST/STOLEN credit card is picked up at a POS and is returned to your bank...THEY "CAN" REFUSE TO COVER ALL THE FRADULANT CHARGES ON YOUR CARD (probably will cover them...BUT THEY DON'T HAVE TO)...since you were not accepting the rules of the credit card company (YOU MADE YOUR OWN RULES)

<{POST_SNAPBACK}>

That's what I figured, that's why a card should be signed. See George we can agree on something

[GEORGE]

Seriously, though....

Is presenting an ID or signing a receipt worth your security?

Seems from the posts I have been reading here that a lot of folks just want the convenience and don't seem to care much about their Identities possibly being stolen...

PLEASE correct me if I am wrong...

I have lived nearly everywhere (Air Force Retiree) and I have always valued my personal security....but this board has me wondering if WE aren't part of the problem of Identity theft....

<{POST_SNAPBACK}>

GIVE YOUR ID WITH THE CREDIT CARD TO THE CASHIER (even if they don't ask)

PROBLEM SOLVED...YOUR A HAPPY CAMPER!!!

[cannoda]

I went to Walgreen's to pick up a prescription yesterday.

I paid with my Visa card....I gave her the card and she handed it back to me, with the Prescription and the receipt. I asked her why I didn't have to sign anything....she said purchases under $50 didn't need a signature...

Anyone?

<{POST_SNAPBACK}>

A number of years ago, a chain drup store I worked for implemented a policy of not checking id for checks writeen by the patient to pay for a prescription. this was based on the logic that a pharmacist is required by law to dispense prescription drugs only to the patient or someone the patient authorizes. It's illogical to hand someone a bottle of oxycontin and then ask for id only after they hand over a check as payment.

[GEORGE]

I have "PLEASE ASK FOR ID" written on all my cards where my signature is supposed to be. In 2.5 years, I've been asked a total of three times for my ID. Sad.

<{POST_SNAPBACK}>

"VOID IF NOT SIGNED"

"NOT VALID UNLESS SIGNED"

NONE OF THE FOLLOWING ARE VALID SIGNATURES...making the card VOID

CID
SEE ID
SEE LICENSE

[GEORGE]

I went to Walgreen's to pick up a prescription yesterday.

I paid with my Visa card....I gave her the card and she handed it back to me, with the Prescription and the receipt. I asked her why I didn't have to sign anything....she said purchases under $50 didn't need a signature...

Anyone?

<{POST_SNAPBACK}>

A number of years ago, a chain drup store I worked for implemented a policy of not checking id for checks writeen by the patient to pay for a prescription. this was based on the logic that a pharmacist is required by law to dispense prescription drugs only to the patient or someone the patient authorizes. It's illogical to hand someone a bottle of oxycontin and then ask for id only after they hand over a check as payment.

<{POST_SNAPBACK}>

ID ON A CHECK IS LOGICAL--IT IS NOT CASH

We do everything over $100.00 (and new checks)

"IF" the check bounces...the drivers license is used to STOP people from writing additional checks at any business...(at least the ones who share with the systems we are on)

"IF" they bounce a check you can CUT THEM OFF...but they can go to 50 other places to get their RX