A good identity thief will be able to steal your identity after seeing your license for five seconds. The scam is relatively easy to pull off.

Never show ID for credit card purchases.

No ID required for credit card purchases.

Make sure your community is 100% violation-free.

You continue arguing that it is some violation of the law everywhere in this country. Sorry, but we have a federal system of government. In some jurisdictions, checking ID's (state identification card or state driver's license) is allowed for various reasons. Washington State allows the checking of ID's at anytime for credit card use. Some states require the checking of ID's for the purchase of controlled items like alcohol and cigarettes--some set age limits and others require the checking of ID's for any age. Exact same situation of identity theft you are so paranoid about. And guess what? It is the exact same cashier who is going to check your ID for that who would check it for your credit card.

So let's be honest and stop lying==> "No ID required for credit card purchases" is not true. Depends on the situation.

I give them a hard time everytime. I always say - my card is signed. Not that I don't have ID as I usually do, but I say that instead of "I don't want to provide it." Then I usually have to say MA and V don't permit merchants to require ID as a condition for sale. They usually become overwhelmed and relent. Nevertheless they get reported about 5 different times.

I have had places ask me for another CC to show I have two cards in my name. Other places want to write down my vehicle license plate#. Other places want me to to sign blank receipt paper before swiping my card. None ask me for cash instead.

If they are really that concerned why don't they train cashiers to conduct a Code 10?

P.S. I also add that "do you have a sign that says that?" most don't and it just adds to thier confusion and I get what I want.

I wouldn't be too proud that it adds to their confusion and you get what you want. That is how social engineering works. Anytime you get what you want over established policy or law, only goes to highlight how easy it is for criminals to do the same.

We need to require ID's or PIN numbers.

PERMISSION TO ASK is not the same as REQUIRED BY LAW or POLICY TO FINALIZE THE SALE

I can ask a cash customer for ID to buy BOOZE

I can't ask a credit card customer (signed card) for ID to buy a bag of apples and a loaf of bread

I would go for PIN# with a credit card

...IF I CAN PICK THE NUMBER (and change the number when I want 24/7 phone or internet)

No name on the card to see "IF" the confused cashier/manager wants ID

...AND A $1,000 FINE (BY LAW) FOR ASKING FOR ID AT POS

($500 FOR THE CREDIT CARD COMPANY...and $500 FOR THE CUSTOMER)

Showing ID to purchase an age-restricted item has nothing to do with credit cards. Showing ID on military installations has nothing to with credit cards. This ID nonsense is not tolerated in Washington state by the general public and is hardly even an issue. 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.

actually, they have everything to do with your argument. Your whole argument is based on the notion that showing a government issued ID card leads to identity theft. Well guess what? You are already showing that ID to the very people you fear showing it to.

SINCE SHOWING ID TO PEOPLE YOU DON'T KNOW MEANS NOTHING...COPY AND PASTE A COPY OF YOUR ID HERE

This offer has been stated many times...NOBODY will do it

WHY IS THAT???

WRONG

My ID stays in my wallet

Showing ID to purchase an age-restricted item has nothing to do with credit cards.

Correct. You have to show ID to even enter the PX kinda like Sam's checking membership cards. The ID is to verify ability to shop in the store and at the register is to verify ability to shop in the store which in my few times in the PX was regardless of method of payment.

Stores can check ID if checking ID is regardless of the method of payment.

To the poster about the restaurant that made him take out his ID: do you look like you could still be under 30 (since it seemed like it was for a drink and not after a meal had already been eaten and needed to be paid for)? I could somewhat understand a merchant in a college town or similar area wanting to feel the ID to verify (although I knew people with fakes from DMV insiders back in the day). If you clearly look over 21 and the merchant insisted on manhandling the ID I can agree with you.

I sign my cards with a black sharpie (not fine tipped) and place tape over the signature. The sig bleeds a little, but doesn't wear off anymore.

Another thing about credit cards is that some issuers allow you to add an authorized user with just a name. This means I could get a card issued for Snarffy Snarfelbeck and still have a valid card on my account.

A dishonest clerk who wants to use a credit card fraudulently or steal an identity may not even need to see ID. The clerk simply performs a voice authorization instead of an automated swipe, does a manual imprint (which does not require card number truncation) and just needs to memorize the CVV (takes a cell phone picture of imprint during a break or closing out). If the "victim" is a "rewards member" or "club member" (e.g. Best Buy, Sam's, Costco), the clerk can probably look up the phone number, address and possibly the birthday.

If the address is not available in the store's customer database and the "victim" is a homeowner, a quick search of public records will likely reveal a primary residence. If the birthday is not available in the store's customer database, a quick internet search may turn up "evidence" of important birthdays for the "victim" (e.g., 16, 21, 30, 40, 50, etc.).

Clerk pulls a credit report, files a change of address with USPS (to a mailbox store) and starts AOR.

Likely? No. Possible? Yes.

I do not support "requiring ID" for credit card transactions, but identity theft and credit card fraud do not require seeing someone's ID. In my opinion, you are more likely to be a victim of credit card fraud at a restaurant (where the card leaves your sight) or for pizza delivery (they already have your name, credit card info, phone number and address) than by simply showing ID.

"Real" credit card fraud protection would be a combination of a requiring a PIN code for all transactions and a physical SecureID/RSA token. . . Two factor authentication to confirm identity (PIN) and physical possesion (token), but of course, that would be cost prohibitive and create massive ineffeciencies at the checkout counter. . .

Note: The above is a hypothetical example and not intended to disparage any/all clerks or condone fraud.

Simply call 1-800-VISA-911. They will walk the idiot cashier step-by-step through proper card acceptance procedure.

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 photo 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. The contract MasterCard merchants sign specifically prevents them from asking for personal ID.

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 WorldWide 2000 Purchase St. Purchase, NY 10577 or call 1-800-300-3069. 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. You may also report violations online:

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

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 that issued your Visa card or call 1-800-VISA-911.

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."

Are you being obtuse on purpose? The question above had to do with showing ID period, and the potential for ID theft when showing ID. Narrowing the answer down to only when CCs are used is disingenuous and a weak attempt at avoiding the question.

With ID? Even more so..

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.

Hmmm . . . I can play the Continental game as well:

If a merchant insists on seeing my DL for a CC, then they didn't need my business anyway. They'll probably be out of business soon anyway. The best thing to show for age-required ID is a passport card because it doesn't show your address.

Showing ID to purchase an age-restricted item has nothing to do with credit cards. Showing ID on military installations has nothing to with credit cards. This ID nonsense is not tolerated in Washington state by the general public and is hardly even an issue. 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.

We have so many paranoid people about addresses and names. I can go on LexisNexis/Westlaw, type in a social security number at random and it will give me the name of the person and their address.

All the more reason to keep your social security number private.

...and that is a good reason to give people (YOU DON'T KNOW) personal information when there is
NO LAW that says you must do so...just because you "MAY" be
able to get some personal infomation on various web sites

You see nothing wrong with that?

Additionally, the specific section of the Visa/MC rules regarding NO ID can be easily folded down into a small credit card sized rectangle, which can be easily carried in any wallet, and may be quite useful should you ever encounter an idiot cashier demanding ID.

It doesn't matter what I think. Companies are allowed to sell and exchange private data, to include SSN's, names, DOB's, addresses, etc. My whole point is that if I want it, I can get it, and so can any other Bubba Joe.

As for the law allowing ID's to be checked, every state already allows it in various situations. At least one state allows any store to require it with credit cards. I just find it hypocritical that George or Continental as well as various others freak out when their ID is requested to verify their credit card all in the name of the security of their identity, when they are willing to pull out that exact same ID and show it to that exact same cashier in numerous other situations as dictated by the law. That and the ready access of anyone's SSN online at legal databases. So much for privacy.

In that case, you and Bubba won’t need to ask and would make excellent candidates for the t-shirt:

http://creditboards.com/forums/index.php?showtopic=369619

Obviously it is a major security and identity theft risk, extreme invasion of privacy, and a no-brainer to keep your ID to yourself. No reasonable adult would hand over their ID to some violating cashier on demand. The most important thing is making sure it never happens again, so if any violating merchant should ever pop-up in your community, make sure they are eliminated/brought back into line immediately - 1-800-VISA-911.

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POST ID HERE





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No big deal

Only if deceased it will show. Number will not show is places that "read search engines" at first it did but they chnage that after they found out what some people were searching for.

Today, I Know GEORGE and Continental hate to hear this. You can get ID theft from using a Credit Card without ID

They can find out where you live by just using your name.

That's nice. You didn't answer the question. Do you see nothing wrong with that?

If you are asking if I see anything wrong with the exchange of personal data, then the answer is no. If it is compromised or stolen data, obviously it is theft, but if it is in a public database or privately collected, then I think that is fine.

As for the comment about SSN's only being available for deceased people, that is wrong. Westlaw allows you to type in the SSN and it will do a reverse search, showing you who the person is and where they live, as well as other info depending on what service you are getting. You can also type in the name and address, or specific other info. This has been available online for at least 8 years now. When I first used it, I did checks on everyone I could think of, including myself. The only problem I found was that sometimes the addresses were old. I believe they contract the information from one of the major credit agencies. I can't go directly to the credit agency and pull your data, but I can go to one of the legal databases and pull your info. So much for privacy with them.

I personally would make it illegal for companies to profit from the sale of personal data without permission from the person the data covers.

Agreed.

What gives you the idea I show my ID in other situations? I will do whatever I have to in order to avoid showing ID. There are often (not always) ways around this. The idea is to show your ID as little as possible. You can't very easily go through things never showing ID, but you can sure reduce the number of times you show ID.

If I have a banking transaction, I will use an ATM rather than going to a teller and having to show them ID, for example.

And your WA Credit Card law has no meaning or merit.

Wow, good thing you don't practice law.

I guess I fall in the compliant category... When asked, I show ID, and I show store receipts at the exit... I suppose I would feel awkward taking up the teller on the Visa/MC policies even now that I know of them. In my mind there is this perception that if I refuse to show ID, it's almost like I am using the card that isn't mine, I know there isn't a basis for it, but I just don't see a big deal with it I guess.

Although when I see tellers checking signatures on the receipt and on the back of the card, I am impressed (happens rarely!).

Unauthorized charges could be a big pain and a skimmed or stolen card (I may not notice it until a day or two later especially if I am using cards out of town) could be used to rack up charges. Of course it doesn't do anything to prevent fraudulent online transactions...

To me, a teller remembering my address and dob seems to me about as likely as a teller remembering my CC # especially if examining the card closely and if the teller is untrustworthy. Even then, you'd need the SSN to apply for credit fraudulently and it is not on the DL.

I usually go with my gut and if the store or staff look dodgy, the bigger risk is that they will have a skimmer or tack on unauthorized charges than that they will somehow find out my address, so I just pay in cash...

JMHO, but I totally get that others here say if it's Visa/MC policy, it's Visa/MC policy and violating merchants should be reported. I guess it's a matter of opinion...