Simple question.

Of the reports you have filed, which payment network is the most aggressive at stopping ID violations?

We should choose to use the network which treats ID violations as a matter of priority, and is committed to shaping up horribly behaved merchants. Why bother using one card if the network doesn't care about merchant violations?

I think you should of added "No one" or "none of the above" to the poll.

I only use a M/C and a Visa and reported to them so I don't know about Discover or AmEx, but all the stores I've reported about have stopped doing it, it seems even Macy's the last few times I've been there.

Why do you think those options should be added since, if you aren't inclined to report these violations, you wouldn't be actively reporting to 'no one'.

And, technically, it's 'should have' not 'should of'.

mastercard by far.

Nope. It asked "Which network is most aggressive about stopping ID violations?"

What should be the choice if none are the best?

My choice is
No network is aggressive about stopping ID violations

Some polls are not well suited to the inclusion of an "other" category. This poll is one of them.

Including an other category would introduce an unpredictable amount of skew to the poll due to votes from consumers who did not lodge effective complaints or did not follow up on the effectiveness of their complaint. The posts in this forum have clearly established that an assertive, well-structured complaint can be effective at correcting merchant violations, therefore we only want to sample those who have had clear success. Furthermore, the more effective reporters have demonstrated that repeat success is something to be expected, therefore we must assume that one pathway exists among the major four networks for shaping up horribly behaved merchants.

Granted, if we wanted to be more precise (and the forum software allowed for more precise polling), we could have asked a separate question to ascertain if a respondent was generally frustrated with the response of all networks, but had seen enough success from one to warrant a vote for a specific network. The resulting data could then considered among both subsets of consumers who had experienced repeat success, and those that had experienced some success among mostly frustration.

This is not a scientific poll, and its results are skewed, mainly due to the differing number of issued cards among the four major networks. This can be accounted for. If, for example, Discover held its own with Visa, we could assume that Discover is much more consumer friendly due to the much larger number of consumers using Visa.

An other category is generally only suitable for polls of opinion, not experience, and only when the results desired should measure the affinity for listed choices amongst both each other and unlisted but still valid choices. As we assume that a non-major payment network is too obscure to be a valid choice, we need to limit the choices to the major networks.

are debit cards good? what does debit offer me?

huh? What this got to do with this thread?

I have information in my signature but it does not really apply to this thread. Technically,
debit cards that have a Mastercard or Visa logo have the same no id policy as credit card. As long as the transaction is ran through as a signature transaction.

Glad to hear it.

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.

You would have to get INTERNAL information from VISA/MC/DISCOVER/AMEX to get a totally accurate answer

...like they would give you that information

This is only as good as any other survey that has limited people doing it

AMEX actually told me "merchant can do that"
VISA says "take it up with your bank"
MC has a web reporting form. No idea how aggressively they follow up on it. Stores I've reported for minimum charge multiple times still have the tag up and getting away with it.

You forgot one item

Your bank tells you to take it up with Mastercard or Visa.

The minimum charge, is what I do not get.

I hate that! It's not my bank's policy, it's VISA's policy... VISA should enforce their own policies.

True, but the cardholder's relationship is with thier issuing bank - not MA or V. I agree also the policy maker should be the policy enforcer.

they all are terrible

Yeah, but I see it as more of a partnership on their part. The bank is lending me the money while VISA/MC is the vehicle. One does not exist without the other and both benefit and both should be treated separately regarding the money aspect or the card aspect.

Even though "no surcharges" is technically a VISA/MC policy, for example, that one would rightfully rest with the bank as it involves money and potential chargebacks. If it's a card usage matter, i.e. ID checking, etc., then it lies with VISA/MC.

I read a copy of Discover rules and they say nothing about allowing or denying an ID requirement. They do not address the issue in any way.

I also read a copy of AmEx rules. This one all but said to check ID when the last step of their in-person acceptance process said to "make sure the cardholder is who is on the front of the card" (this was after it said to match signatures and all that stuff- the FINAL step listed in the in-person transaction payment process.

I understand the angle for AmEx that does not allow a merchant to impose something to AmEx Cardholders that it does not impose to others, such as a store that would take Visa/MC without ID but require ID for AmEx. Has anyone actually filed a report with AmEx and had the merchant stop IDing> I have many examples of Visa and MC reports that I have filed that have resulted in merchants no longer IDing. Heck, I was in two such merchants just this evening.