I just got back from running to the store and decided to stop by this dairy queen(never been there before its out of my way) and gave the lady my debit card, she says no debit cards, I say fine you can run it as a credit card, she says I NEED to see your ID, (even though my card was signed). She tells me it is their policy to ask for ID, they even had a sign in front of the cash register "Must show ID for all credit transactions". I went to my car to get license and was so annoyed that I left. I thought asking for ID on a signed card was illegal?

NO MINIMUM CHARGES ON CREDIT CARD

NO MAXIMUM CHARGE ON CREDIT CARDS

**NO ID ON SIGNED CREDIT CARDS**

NO FEE TO USE A CREDIT CARD
====================================================================
I hope you left with-out the purchase (and they had to trash your purchase)

They had to do that with my order at SUBWAY

That deal caused heads to roll

My complaint was the straw that broke the camels back

I did leave. I even told her it is illegal for them to ask for ID and she says no "It's company policy" I should report them.

YES BY ALL MEANS REPORT THEM

A STORE POLICY CAN'T OVER-RULE CREDIT CARD POLICY

Just to clarify, I do not beleive it is illegal. Against their merchant agreement yes, illegal no.

Correct me if I am wrong pls..

Complain on DQ's web site. The only thing that may be company policy is that they ask for ID (permissible), but it can't be a condition of the sale. "Condition of the sale" is not illegal; it is against the processors terms and conditions for merchants. My experience is that the web complaints tend to be successful.

sorry. thats what i meant. I was just annoyed.

Why would you be annoyed? personally if it were me I woudn't be, they are preventing Id theft by making sure your the owner of the card.

I never keep my cards signed so they HAVE to ask for ID. In fact when I grab my card, my id is right behind it.

But if you complain to MC/Visa unless there's alot of complaints against that merchant MC/Visa won't do anything.

What part of giving out your birth date, address, and DL# is helping to prevent ID theft? Providing your credit card number to a thief is far less harmful and you are protected from losses.

Cardholder ID
Although Visa rules do not preclude merchants from asking for cardholder ID, merchants cannot make an ID a condition of acceptance. Therefore, merchants cannot refuse to complete a purchase transaction because a cardholder refuses to provide ID . Visa believes merchants should not ask for ID as part of their regular card acceptance procedures. Laws in several states also make it illegal for merchants to write a cardholder's personal information, such as an address or phone number, on a sales receipt. P. 29, Visa Merchant Card Acceptance Policy
=============================================
ASK TILL THE COWS COME HOME FOR ALL I CARE...they back-off I don't

You are the one that is in the wrong here. A card that is not signed is invalid.

SO YOU LIKE TO USE A VOID CARD???

Your signature on the back of the card makes it valid

CID IS NOT YOUR NAME

My driver's license is in my wallet...my wallet in in my pocket

It is not with my card...because my card is in my hand

A LICENSE TO DRIVE WAS NEVER INTENDED AS A CREDIT CARD USE PERMIT

NOT VALID UNLESS SIGNED

VOID IF NOT SIGNED

AUTHORIZED SIGNATURE

Had they wanted to be ask for ID would they have a place for a signature???

Had they wanted you to put CID wouldn't it already be there???

moving to the proper forum.

Oh brother.

I use cash for small purchases. I never get asked for ID and I never have to sign the money I give them in order to get my purchases.

The topic is about being asked for ID when using a credit/debit card and not about the advantages of using cash.

Look I know it's Mc/Visa's rules, they also have rules of no miniums but almost every gas station (at least here where I live) has at least a 5 dollar minium to use a charge.

I'm assuming they have a "company" policy becasue of lots of charge backs due to fraud. Or they simply don't know Mc/visa rules, or they do, and don't care and are using "company policy" to cover their butts.

Our Drivers license doesn't have Dob, just date of issue/signature/License # and address.

I realize some drivers lincese also use ssn number as their license # which I think is pretty stupid.

I will send you $10,000.01 CASH MONEY GRAM

You try to pick up the cash with-out ID

Then you spend that "CASH" on one single transaction at a single business with-out ID

http://www.irs.gov/pub/irs-pdf/f8300.pdf

Report of Cash Payments Over $10,000
Received in a Trade or Business







j/k about sending you the money

HINT--->THE STUPID ID ON THE T-SHIRT DEAL

Somebody will sue me on your behalf

I spent $1.97 to top off the lawnmower gas can

...start of season added "FRESH" gas

But I only use PAY-AT-THE-PUMP

Nobody came running out to tell me I have to spend $5.00 minimum

HOW IS THAT POSSIBLE???

Are you a booze and cancer stick free state (as in asking for ID to confirm you are old enough to buy the product at POS)

I don't consider a 10K purchase small.

Sorry, I stand corrected it does have our Dob.

I've been dealing with that "ID thing" for many many years. As far back as the early 90s I found they only asked in stores in "certain" neigborhoods or stores frequented by "certain" people.

I'd tell them about the rule but they didn't care.

Once it seemed that the practice of requesting ID became more widespread I stopped fighting.
One of the Office Max/Depot stores in St Charles Mo that asks for ID for like 20 dollar purchases. Seems totally anal.

The card issuers intent is that purchasing be completely transparent but some merchants have told me the issuers would often leave the merchant holding the sack on fradulent transactions. I dunno I suspect the merchants are over-reacting to something else they did wrong in the transaction that made them responsible but who knows.

The only thing I know is there aint no enforcement or penalty if they do ask so its your choice to stand on principal.

That signature thing... I laugh that people think they are being clever by not signing it. No offense ya'll.

Just making a point

Using only cash does not prevent showing ID

But using a CREDIT CARD at POS (when no age restricted items are purchased) SHOULD ALWAYS BE ID FREE

When you go into the store there is a sign on top of the cash register that you have to spend 5/min if you plan on charging.

I have been INSIDE like 4 or 5 times

PROPANE has to be paid for inside

And the pump ran out of paper a few times

...and I am going to read a sign that I have no reason to follow

No offense taken. I'd much rather have a cashier ask for my id to prove who I am, then fight the bank/and or credit card issuer on what might be a fradulant charge.

Granted, these days most banks/card issuers pretty on top of the game when it comes to fradulant charges, but why take that chance?

George, i'm just saying it's around here, several stores have it... not saying it's everywhere.

PROVE I AM NOT ME WITH-OUT ME SHOWING ID

PROVE THE CREDIT CARD IS NOT MINE WITH-OUT SHOWING YOU ID

Yes I have a LICENSE TO DRIVE...it is in my wallet till somebody needs to see it by law

USING A DRIVER'S LICENSE AS A CREDIT CARD USE PERMIT IS NOT ONE OF THOSE REASONS

Heh.....

Googling for just this will get you a second result and for $100 they will make an ID with your name and my picture.

Why would you care if somebody store CCs?

NOT THAT I WANT TO ENCOURAGE CREDIT CARD THEFT...but what credit cards do YOU have that you are not protected from fraud

You people that changed your name to CID can ignore the above about being protected

While I completely agree with you on the extra safety of the merchant asking for a picture ID for your card purchase you are wasting your time arguing the point here. This is one of the small victories that seem to really make people happy. Kindof like when they beat a seat belt ticket.
There was a post n here today from someone wondering hwo to keep his $250,000 limit worth the cards safe, why bother, as long as they're signed he's 100% safe right? Yeah, I keep an eye on my cards too.
It isn't true however that you need a lot of complaints to get it changed though. A single call had me talking to a merchant yesterday.

I can pull out the POLICY out of my wallet...THAT THEY AGREED TO WHEN THEY SIGNED UP FOR SERVICE

It is kept in that place some people keep that EXPENSIVE CASH

Do you have like a mini copy of it?

I want one.

When should you ask a cardholder for an official government ID? Although Visa
rules do not preclude merchants from asking for cardholder ID, merchants
cannot make an ID a condition of acceptance. Therefore, merchants cannot
refuse to complete a purchase transaction because a cardholder refuses to
provide ID. Visa believes merchants should not ask for ID as part of their
regular card acceptance procedures. Laws in several states also make it illegal
for merchants to write a cardholder’s personal information, such as an address or
phone number, on a sales receipt.

PAGE 29 of 141 pdf

http://usa.visa.com/download/merchants/rul...a_merchants.pdf

Some customers write “See ID” or “Ask for ID” in the signature panel, thinking
that this is a deterrent against fraud or forgery; that is, if their signature is not on
the card, a fraudster will not be able to forge it. In reality, criminals don’t take the
time to practice signatures: they use cards as quickly as possible after a theft and
prior to the accounts being blocked. They are actually counting on you not to look
at the back of the card and compare signatures—they may even have access to
counterfeit identification with a signature in their own handwriting.
“See ID” or “Ask for ID” is not a valid substitute for a signature.
The customer
must sign the card in your presence, as stated above.

In my experience all the stores I've reported have quit requiring ID.
If you lose your unsigned card and a thief finds it and uses it, and then the card is recovered, which they very frequently are, and the CC company can see that you didn't sign your card, you may not be protected. It says right on the back that the card is not valid unless signed.

Why take the chance with identity theft, which is a much more serious problem to the consumer that could be caused by showing ID to strangers.

I really want to know WHY people won't show their ID to the lady washing her car at the car wash

...won't show your ID to the guy walking down the street

...won't show your ID to the trash man

...won't show your ID to the guy checking out books at the library

...won't show your ID to the lady eating lunch at the sidewalk cafe

BUT WILL SHOW YOUR ID TO THE CASHIER WITH-OUT BATTING AN EYE

(some even demand it--->CID is your new name)

(not saying ALL cashiers are bad people)

As with any job...there are some bad apples

Thanks GEORGE, I modified it a bit.

Send violations to:

Visa U.S.A.
PO Box 8999
San Francisco, California 94128-8999


Fold and keep two copies in your wallet.

http://www.mediafire.com/?sharekey=792e454...04e75f6e8ebb871

I've been to 3 (different) Dairy Queens since the first of the year and didn't have to sign anything nor did I have to show any ID to make my purchases. It is absolutely not their company policy. I'm pretty sure the 3 locations I visted are all different franchises. Call 1-800-300-3069 then 1, 3, 0 to file a report with MasterCard against this Dairy Queen. Have the address and phone number of this place.

It isn't illegal for them to ID, but it is against the terms of the credit card acceptance agreement. So they are violating a legal contract between merchant and card processing company, but not breaking any laws.

As far as the person who had to chime in about not signing your card or writing See ID on your card, I hope whoever does that enjoys being liable for ALL fraud should their card be stolen. You are required to sign the back of your card to acknowledge the terms and conditions of your cardholder's agreement. One of those terms is "zero fraud liability" if you follow your cardholder's agreement. Part of that agreement is that you SIGN THE BACK OF YOUR CARD with YOUR SIGNATURE.

Here is what Visa/MC have to say about acceptance of unsigned credit cards to merchants:

http://usa.visa.com/merchants/risk_managem...rd_present.html

http://www.mastercard.com/ca/wce/PDF/Unsig...ds-(Global).pdf

ASK AWAY...they back down...I don't

Ask till the cows come home for all I care...they back down...I don't

..Visa believes merchants SHOULD NOT ASK for ID as part of their regular card acceptance procedures. So if you are ever asked for ID, immediately call 1-800-VISA-911 to ensure the practice is stopped at once.

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."

So................. since some businesses require an ID, you can sleep at night because you think this protects you? A thief couldn't possibly find places to max out your card (in short order, I might add) because you feel you're protected because SOME businesses ask for your ID?

...they may even have access to
counterfeit identification with a signature in their own handwriting.

Direct from VISA USA credit card policy

But... where does it say that will protect you? Not the issuer.

The issuers say sign the card and you're liable for $50 in fraudulent charges only if you fail to notify them of a lost card within x hours.

I've never noticed anthing that said if you "write See ID in the signature bar you're good."