So say someone created a new credit card brand and to use the cards ID was required whether the card was signed or not and the back of the card said "VOID IF NOT PRESENTED WITH PHOTO ID".

Would you want it?

What is more realistic is if VISA/MC/amex changed the policy, would you still use it?

Of course they would.

http://creditboards.com/forums/index.php?s...8&#entry1549148

Not enough information. Would this be just one card standing alone, or would this be after all the present cards changed their policies?

This would be like if someone created a new brand of credit card and banks issued them alongside Visa/MC/AmEx/Discover/JCB/Diners

If Visa/MC/AmEx changed their policy, I would still use the cards, but possibly not as much as I do now since the convenience factor would go away.

I carry very little cash. In fact I haven't gotten cash in a few weeks and still have some left.

Most people in the general public would simply see the application and apply. Rwading some of the comments people make on this site about hte manner in which payments are applied already confirms that even those that know something about credit cannot be bothered to read terms and conditions, and this would be no different.

Would it take off right away? Probably not, but then again, it took Discover a while to gain a general acceptance with merchants. At roughly 20 years of age, they are still basically the new kid on the card block...

Discover isn't looking out for the consumer. Their merchant agreement allows fees/surcharges!

That's a recent thing, within the last 6 months, or so. Before that, they were the same as VISA/MC, etc., so Centex' point is still valid.

VISA/MC/Amex aren't looking out for the consumer, either. At least not as their primary goal. They're just marketing in a manner they believe will be most efficient.

And how many in the public pay attention to that? For that matter, I still am looking for the first store that has any signage indicating that they are imposing any fee or surcharge. In th absence of such, the "not looking out for the consumer" is nothing more than a red herring and falls in the same vein as the question to you of "when did you stop beating your wife?"

Some CBers have reported seeing places surcharging for Discover already.

UNLESS DISCOVER IS YOUR ONLY CARD...anybody with a clue would just pull out VISA/MC/AMEX

Anyone with a clue would have left the Discover card at home in the sockdrawer!

My Discovers are so far in the sockdrawer I haven't seen them in a few years.

I would not be interested in a CC brand where ID was required.

If they were required for all CC transactions I would use CC' s far less often than I do today.

I'd probably use my debit card with its PIN number.

I would be in favor of PIN numbers routinely used for CC's. I like putting the card into the machine myself, keying in the number, and putting it away without handing it to a clerk. It's fast and it's secure.

I would be a fan of credit cards being no signature needed or pin+chip, but only if they will retain zero-liability policy. I don't want it to be like debit where if your card and pin# are stolen you have little recourse.

I USE ZIP CODE FOR MY AMEX AT WALMART

I would consider a PIN# SYSTEM

Assuming I could change it ON-LINE or...BY PHONE in like 30 seconds

"IF" ID WAS REQUIRED BY LAW and CREDIT CARD POLICY I SURE WOULD HAVE A LOT LESS TOTAL TRANSACTIONS!!!

I would just buy a store GIFT CARD for like $500 or $1,000 and then use the GIFT CARD FOR EVERY DAY PURCHASES...

Then I would have to go the GIFT CARD route for every store...BUT SO BE IT!!!

They wouldn't really gain anything by asking for ID other than slowing down the process

(9 out of 10 people at my store leave their license in the car)--WHY??? I HAVE NO IDEA!!!

THE LOSES WOULD EXCEED THE GAIN

You lose the gift card... too bad (unless you can get it cancelled and reissued before someone uses it and you have the receipt from buying it)

Lose the credit card... zero-liability.

Nine out of ten? I know it happens, but 9 out of ten sounds way exagerated.

Of the people who need ID for a check (OR CID FOOLS)

It may just seem that high when you have 3 or 4 that need ID and only waited on less than 20 customers in the past 20 min...

Then there is the customer who has the ID... but their purse is so full they have trouble finding it.

Or the person who writes the check out for the WRONG AMOUNT because they can't remember what you told them correctly and don't look at the screen.

The ones that really get me are the overly-organized ones that have a labyrinth of pockets and buckles and snaps and so on that they have to wade through just to get to their checkbook or credit card... then they stand there IN THE WAY and put it all back nice and neat while both me and the cashier are standing there waiting for them to finish and leave so my stuff can get wrung up.

If the "policy were changed" and ID was required...guess what.

I'd still use my credit cards when and if I wish. My credit card is in my wallet. My ID is in my wallet. Not wasting my time.

Why not fix that issue by NOT ASKING FOR ID ON SIGNED CREDIT CARDS?

Wow... you weirdo!

Let me get this straight... you put the credit card AND your ID in the SAME place? This thing you call a "wallet?"

Just doesn't make any sense, I mean, how many people would do something like that?!

Go back and read it again... and this time, try to pay attention and actually absorb what I wrote.

What a concept, eh?

EVEN IF MY ID IS IN MY WALLET I DON'T HAVE TO SHOW IT

You forgot the " ".

My ID is in my wallet that is in my pocket

My card is not in my wallet

How would a card like this work when I buy stuff from Amazon? Would I just hold my driver's license up to my computer monitor?

Generally I only feel a need to display my identification at the checkpoints or after being acosted by the SS.

Well, I'm guessing one day when all babies are branded at birth and microchips are implanted and all that cool stuff, showing ID may not even be an issue.

I saw an interesting piece on television the other day (CNBC or possibly ABC) regarding RFID and the associated theft of RFID. They showed people intercepting the codes on the speedpass devices, which then allowed them to buy gas for free. In effect, they were pick-pocketing people without ever having to touch them. David Blane would be envious.

(Edited for spelling.)