Ever since I started reading all the info on here(particularly by George) about not needing to show ID with a signed credit card it annoys me to get asked for my ID. I know they aren't suppose to ask for it but I generally do show it because I am a wimp and hate confrontation. It has just really started to irk me when I hear them ask for ID. I actually almost said something today to the sales lady.

"NO THANK YOU--MY CARD IS SIGNED"

THEY PUSH IT...JUST WALK

2-3 seconds is all it takes to show it. Pick your battles because in life, there are bigger battles worth picking!

My ID can't be used for ILLEGAL purposes when it NEVER is taken out of my wallet

Annoys me too! I got asked for ID yesterday at Victoria's Secret. I didn't show it though.

I was asked a week or so ago at IKEA. They refused to sell without ID! I walked. Filed a complaint with VISA. I know have a letter on VISA letter head with the rules on it and a case #. Plan on going back to IKEA shortly....with letter in hand of course!!

I HOPE YOU WERE SPENDING MORE THAN JUST $20

DON'T BUY ANYTHING (even if they back-off) AFTER READING THE LETTER

I dont understand what all the fuss is about? Don't they ask for ID to protect you the consumer? Something Im not aware of here ???

All my cards are signed "CHECK ID" and even with that they dont ask for it very often; though I wouldnt mind if they did. I figure they ask maybe 10% or less of the time - I truly wish it was 100% of the time!

Even if the card is signed they tell me they need to compare the signature to my lisence.

IF YOU FEEL FAR SUPERIOR BY SHOWING YOUR ID...GO RIGHT AHEAD

VOID IF NOT SIGNED

NOT VALID UNLESS SIGNED

AUTHORIZED SIGNATURE

THEY PUT THAT JUST WASTE INK...DON'T THEY???<---

MY LICENSE WAS SIGNED LIKE MORE THAN 15 YEARS AGO (US MAIL RENEWAL)

My signature can change from week to week...month to month...year to year

WOULD IT EVEN LOOK ANYTHING LIKE A 15+ YEAR OLD SIGNATURE???

My cards ALSO have my signature and no I dont feel superior requesting them to look for ID. LOL

So please elaborate on the fuss......

Do a search - this has been debated here ad naseum.

VISA MC policies

http://creditboards.com/forums/index.php?showforum=40

I hate to disagree w/GEORGE since I have received such good info from him. But I have agree with lilone, there are bigger battles in life than arguing with a $7.00hr clerk about Visa/MC policies.

At the same time, little battles like this can be perfect practice and give you the much needed confidence for bigger battles that may want to pick later ...just my 2cents

I DON'T READ S/L MEMBERS POSTS

What are these bigger battles one has to attack???

...AND I DON'T ARGUE

I ONLY STATE THE FACTS

THEY BACK DOWN WHEN I SAY NO or I WALK

I DON'T GET OUT CASH (since I don't have any)

I have to admit when they ask for ID at Sally Beauty Supply I show it. I can't afford to walk out without my tube of hair color.

It annoys me too. I usually just show it and then mention to the cashier that it's against visa/mc policy. I know they' are just doing what they were told to do.

I WORK RETAIL

I HAVE TO STAND MY GROUND

I CAN'T BE A WIMP

I do have some le-way when the customer is nice

WHEN THEY FIGHT AND HAVE ATTITUDE FROM THE GET GO

THEY GET NO PLACE WITH ME

...AND IF THEY WERE TOLD TO PICK THEIR NOSE FOR EVERY SALE THEY WOULD DO THAT TOO???

Well.... when it comes to hair... now that's a different story!
Of course, you can see my ID!

THEY ARE IN CONTACT WITH MANAGEMENT AT THEIR STORE I AM NOT

You think they have a MANAGER that is locked in a room with bars on it and they can't ever see HIM/HER???

Retail is a tough job... I did it for 18 years in the Car Biz. You do have to stand your ground with the buying public. THE CUSTOMER IS NOT ALWAYS RIGHT.

Your card is not valid unless signed.

Thats correct, and if you had seen my clarification - I stated I ALSO sign my name. So it shows my signature small then next to it "CHECK ID" in big bold writing.

IMO this issue is really not worth copping an attitude. You gotta look like a real A$$ yelling at the old lady asking for your ID and then stomping out of the store with your stuff still on the conveyor. LMAO! If I seen that I would prolly just think your card was declined for insufficient funds - LMAO!

GIVE THEM THE CARD AND THE ID AND BE HAPPY

BUT DON'T EXPECT ME TO FOLLOW THE SHEEP LEADER

...AND I LAUGH AT ALL THE SHEEP PEOPLE THAT COP AN ATTITUDE WHEN WE DON'T ASK FOR ID

What are they protecting you from?

Sorry, I missed your second post. As far as copping an attitude, I wouldn't know. I've never been asked for ID when paying with a signed card.

I JUST WALK WHEN THEY SAY I MUST SHOW ID (as if it is a LAW)

I GIVE THEM THE FACTS

I'M NOT THE ONE THAT HAS TO BACK DOWN

Asking for ID causes more trouble then its worth. For instance why ask me for ID but not the 2 people who were ahead of me. Why doesn't sally ask me for Id but Mary does. If the CC company wanted us to show ID why spend all the money on the ads talking up the fact that you don't need ID?

WHY HAVE THE SIGNATURE STRIP "IF" THEY EXPECT YOU TO SHOW ID????????????

VOID IF NOT SIGNED

NOT VALID UNLESS SIGNED

AUTHORIZED SIGNATURE

THEY PUT THAT JUST WASTE INK...DON'T THEY???<---

One lady had an UNSIGNED CARD

I said I need a license since the card is not signed

SHE SAID WITH ATTITUDE AS SHE WAS
THROWING HER ID AT ME...IT SAYS CID

OH...YOUR CID...BUT THE LICENSE SAYS YOUR MARY SMITH

IS IT CID or MARY SMITH???









IN MY HEAD I SAY YOU BETTER GO TO COURT AND HAVE YOUR NAME LEGALLY CHANGED

MAYBE YOU CAN BE IN THE CLUB OF STRANGE NAMES OF PEOPLE AS IN...

Moon Unit, Dweezil, Ahmet, and Diva ZAPPA (FRANKS KIDS)

THEY say lots of things. Always "for your own good." That's what some parents do I guess.

I don't know about y'all but my card still works just fine with or without signature!

.

But your card is not valid if not signed!

There was a case here in the Twin Cities. A woman lost her Wells Fargo card with only CID on the back...no signature. By the time she reported it missing, several hundred dollars had been drained from her account. An alert was put out and when the card was used at a merchant, it came up stolen/lost. Card was returned to Wells Fargo. Guess what...the card holder was screwed because she had NOT signed the card. The bank was under no obligation to reimburse her since the card was INVALID.

Probably the only time I would bring the issue up is if a manager were doing check out. Then I'd probably let then know about the Visa policy. THOSE are the people that if you want to make a point you make a point to...not harrass the cashier that is doing what their superiors have told them to do. I guarantee you, when the cashier is hired, they were not given a copy of the merchant agreement.

So you admit that a signature comparison is not a legitimate means of identifying a cardholder.

Many card holders don't have a license. Many card holders don't drive. Many card holders' licenses are not even printed in English. A Chinese driver's license is probably not printed in English. Let me guess -- a minimum-wage store clerk can't follow simple Visa / MC rules, yet they can interpret a Chinese driver's license? Doubtful.

There is no law stating that you need to know how to drive in order to be allowed to spend. There is no minimum age restriction for an individual obtaining a MC or Visa, assuming that individual can sign their name. So it's doubtful an 18 month old baby would have a Visa or MC, but a 15yo might.

Soon, these businesses will start making up their own tax rates. So even though the sales tax rate in Maryland is 5%, Best Buy will decide one day to charge 7%, because "that's our corporate policy."

The point George and others are attempting to make is that the merchant signed an agreement with their merchant bank, and it is their responsibility to follow the agreement. Likewise, the customer signed an agreement with their card issuer, and it is their responsibility to follow those rules. There is no agreement directly between a buyer and a merchant.

The customer makes no guarantee that the business will get paid if a CC is used. The customer agrees to pay the customer's bank, not the merchant. That's between the merchant and the merchant's bank. So, as long as the merchant follows the very basic and extremely simple rules, they will assume no risk and get paid by the merchant's bank. If the merchant doesn't like it, they should not accept Visa or MC, and use some other card acceptance method, or use cash, check, money order, or something else that's worth something to the merchant.

BTW, once a purchase has been completed, the merchandise now belongs to the purchaser. So, if the merchant refuses to sell to the customer, the merchandise is still the merchant's; therefore, the merchant can put the stuff back on the shelf. I'm not doing it. I don't work there.

There is no legitimate means of identifying a cardholder, although I hear Best Buy is installing DNA machines at their registers.

BTW, there is no requirement that a cardholder must be "identified."

My son just started working at Hot Topic. And he was thoroughy trained to accept a card when it says CID, but to ask for ID if the card is signed. Either way, they want to see ID.

So, I showed him the Visa and MC merchant agreements, and advised him to do whatever the manager says to do so that he doesn't get fired. Employment in Maryland is "at will," so he could be terminated for any reason, including actually following the correct procedures. I did suggest that he might bring the matter to the manager's attention.

So, that's why I don't give the clerk a bunch of grief. They're just doing what they've been told to do, and they just want their $5/hour.

I might not buy the merchandise, but that's only because they refuse to sell it to me.

NO---DON'T SPEAK FOR ME

THE LICENSE SIGNATURE (in my case) IS THE LAST THING YOU WANT TO COMPARE

The back of the card would be a better thing to compare than THE 15 YEAR OLD LICENSE

2 CHOICES

1) A 15 YEAR OLD LICENSE
2) THE BACK OF THE CARD THAT HAS BEEN SIGNED IN THE PAST 1--3 YEARS
(maybe even a few months ago)

PICK #2

I THINK ARIZONA HAS 99 or 100 YEAR LICENSES (if I remember right)

So you are going to compare a 27 year old license signature INSTEAD of using the signature on the back of the card that was done in the past 1--3 years or less

NOTHING MORE THAN I WOULD DO

SHOW HIM/HER THE FACTS AND SUGGEST THAT THEY ONLY CHECK FOR ID
WHEN THE CARD HAS CID or IS UNSIGNED

OTHERWISE JUST CHECK THE BACK OF THE CARD WITH THE SIGNATURE ON THE SLIP THEY SIGN