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Saturday Night Live - Target Store Skit: ID required!


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245 replies to this topic

#76 GEORGE

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Posted 03 November 2008 - 03:49 PM

So Im guessing everyone asks for my ID, because on the back of my cards, I wrote "ASK FOR ID".

SO YOU WENT TO COURT TO CHANGE YOUR NAME TO "ASK FOR ID" and they let you???

:D

[EDIT TO FIX]



#77 daiye1

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Posted 03 November 2008 - 03:50 PM

Those of you who write "See I.D." or some variant on your card - be careful.

I read on these boards about someone who had their card stolen. The credit card company recovered the card - and they told her it was good that she'd signed it, because if it had "See I.D." on the signature panel, it would not have been considered a valid, signed card, and she would have been liable for all the fraudulent charges.


link to thread?


How is this possible?? If the CC FOUND the card; then clearly it was lost (perhaps stolen), if you FIND something; that DOES give notion that it was MISSING

Edited by daiye1, 03 November 2008 - 03:50 PM.


#78 GEORGE

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Posted 03 November 2008 - 03:52 PM

The way I see it...I have "Ask for ID" because when someone asks to see my credit card when I choose 'credit', they look at the front, then look at the back. They are looking for my sig. If my sig is there, they proceed with the transaction. This JUST happened to me earlier today. Chick looked at my card, saw the Ask for ID, then asked me for my ID. If my sig was there, nothing else would have happened. What, do you think they actually compare freakin signatures?? Even if they do, they arent handwriting analysts.

You are using a VOID CARD????????????

#79 gweedoh

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Posted 03 November 2008 - 05:09 PM

My fathers wife refuses to accept debit in her business due to fees.
The place I work at won't accept debit unless it is from B of A, because they aren't charged anything for those transactions. They are charged by B of A for other banks fees.
Maybe it's only small business owners.

Maybe, but I believe you are mistaken. Even if they charge fees for debit transactions, credit transactions are much higher. Case in point - many gas stations (and other merchants are getting creative on this front as well) charge less for cash and debit transactions than for credit. The reason is because credit transactions cost them much more than debit.

I have 3 "debit" cards - w/o logos - none of them have my name on them. They have the banks name and the card number. 2 were given to me at the time of opening the account and the other came in the mail. Newest one is about a year.

Ok since I don't know the ATM card issuing policies of every bank in the US I'll qualify my statement to say that no major bank issues cards with no name. In any case, it's still an ATM card and not a debit card which was really the point anyway.

Consumer liability is limited to $50. If your card is stolen and used you are only responsible for $50 at the most. Say I stole a credit card, used it at Best Buy and bought myself the Nikon D3 with the optional pack (about a $3500 purchase). Visa/MC/AMEX/Discover do not eat the $3450 because the merchant accepted a stolen credit card. They're going to tell the merchant to pay it. I worked in LP at IKEA. I taught classes for the cashiers about this whole process...

You said earlier that the merchant is "charged back". I took that to mean the merchant is let off the hook. If I misunderstood what you meant, my apologies.

I also said that *USUALLY* the cashiers create the policy themselves. In no way did I even insinuate it was always the cashier who does it.

Semantics, but I still disagree. While your experience in retail may be that employees you trained were not told to ask for ID, my experience in retail is that someone making $7/hr is not inclined to make more work for themselves with no incentive, especially when they are expected to meet performance metrics by which bonuses and other incentives are issued. Indeed there may be the occasional "do-gooder", but the vast majority of cashiers asking for ID have been told to do so, either by a supervisor, manager or memo. It may not be company or store policy, but someone in authority told them to do it. Again, why would the person ringing up your stuff care if the CC you present is stolen?

#80 Continental

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Posted 03 November 2008 - 05:10 PM

An unsigned card is not valid and should not be accepted.

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 picture 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. 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.

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."

#81 gweedoh

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Posted 03 November 2008 - 05:28 PM

An unsigned card is not valid and should not be accepted.
...

Ah, look. The Visa/Mastercard Merchant Agreement Bot is active again.
Ask it any question you want. The answer is always the same.

#82 GEORGE

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Posted 03 November 2008 - 05:32 PM

An unsigned card is not valid and should not be accepted.
...

Ah, look. The Visa/Mastercard Merchant Agreement Bot is active again.
Ask it any question you want. The answer is always the same.

...and it DEVALUES THE FACTS...why?????????????????????????

#83 Uncle Leo

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Posted 03 November 2008 - 05:38 PM

An unsigned card is not valid and should not be accepted.
...

Ah, look. The Visa/Mastercard Merchant Agreement Bot is active again.
Ask it any question you want. The answer is always the same.

...and it DEVALUES THE FACTS...why?????????????????????????


...said the other bot? B)

#84 gweedoh

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Posted 03 November 2008 - 05:41 PM

An unsigned card is not valid and should not be accepted.
...

Ah, look. The Visa/Mastercard Merchant Agreement Bot is active again.
Ask it any question you want. The answer is always the same.

...and it DEVALUES THE FACTS...why?????????????????????????

It doesn't It's just annoying to attempt to engage someone in a discussion only to have them ignore your question and regurgitate the same crap in every one of their posts.

#85 Uncle Leo

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Posted 03 November 2008 - 05:43 PM

An unsigned card is not valid and should not be accepted.
...

Ah, look. The Visa/Mastercard Merchant Agreement Bot is active again.
Ask it any question you want. The answer is always the same.

...and it DEVALUES THE FACTS...why?????????????????????????

It doesn't It's just annoying to attempt to engage someone in a discussion only to have them ignore your question and regurgitate the same crap in every one of their posts.


B)

#86 GEORGE

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Posted 03 November 2008 - 06:03 PM

An unsigned card is not valid and should not be accepted.
...

Ah, look. The Visa/Mastercard Merchant Agreement Bot is active again.
Ask it any question you want. The answer is always the same.

...and it DEVALUES THE FACTS...why?????????????????????????

It doesn't It's just annoying to attempt to engage someone in a discussion only to have them ignore your question and regurgitate the same crap in every one of their posts.

YOUR ignore IS BROKEN???????????????
================================================
================================================
You have chosen to ignore all posts from: Continental.

· View this post
· Un-ignore Continental

FEEL FREE...I'm not gonna'

#87 gweedoh

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Posted 03 November 2008 - 06:20 PM

YOUR ignore IS BROKEN???????????????
================================================
================================================
You have chosen to ignore all posts from: Continental.

· View this post
· Un-ignore Continental

FEEL FREE...I'm not gonna'

No, not broken and thanks for your consent.

For me, the board's ignore feature is along the same mentality as freezing your CCs in a block of ice. I have my own built-in ignore feature and enough self control that I don't need the external controls in place.

#88 aares

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Posted 03 November 2008 - 06:24 PM

The way I see it...I have "Ask for ID" because when someone asks to see my credit card when I choose 'credit', they look at the front, then look at the back. They are looking for my sig. If my sig is there, they proceed with the transaction. This JUST happened to me earlier today. Chick looked at my card, saw the Ask for ID, then asked me for my ID. If my sig was there, nothing else would have happened. What, do you think they actually compare freakin signatures?? Even if they do, they arent handwriting analysts.

You are using a VOID CARD????????????



NO!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!111

Edited by aares, 03 November 2008 - 06:25 PM.


#89 GEORGE

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Posted 03 November 2008 - 06:27 PM

YOUR ignore IS BROKEN???????????????
================================================
================================================
You have chosen to ignore all posts from: Continental.

· View this post
· Un-ignore Continental

FEEL FREE...I'm not gonna'

No, not broken and thanks for your consent.

For me, the board's ignore feature is along the same mentality as freezing your CCs in a block of ice. I have my own built-in ignore feature and enough self control that I don't need the external controls in place.

I have a SOCKDRAWER...I have an ice maker

THEY NEVER MEET

#90 GEORGE

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Posted 03 November 2008 - 07:06 PM

The way I see it...I have "Ask for ID" because when someone asks to see my credit card when I choose 'credit', they look at the front, then look at the back. They are looking for my sig. If my sig is there, they proceed with the transaction. This JUST happened to me earlier today. Chick looked at my card, saw the Ask for ID, then asked me for my ID. If my sig was there, nothing else would have happened. What, do you think they actually compare freakin signatures?? Even if they do, they arent handwriting analysts.

You are using a VOID CARD????????????



NO!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!111

SEE ID is not a valid substitute for a real name signature

#91 Continental

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Posted 03 November 2008 - 09:51 PM

NO!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!111

If you aren't responsible enough to sign your own credit cards, you aren't responsible enough to have credit cards.

#92 Jen23514

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Posted 03 November 2008 - 09:58 PM

I have a SOCKDRAWER...I have an ice maker

THEY NEVER MEET


icey socks would not do anyone any good :cry2:

#93 deerfern

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Posted 03 November 2008 - 10:36 PM

Why don't people just get a State ID from their state? It can be used as identity, and it does not contain the DL info. Plus, in my state, it lasts a year longer.

It just seems to be a "point of contention" instead of an actual issue.... but maybe you disagree, perhaps I just don't understand the whole concept...

Edited by deerfern, 03 November 2008 - 10:38 PM.


#94 GEORGE

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Posted 03 November 2008 - 10:44 PM

Why don't people just get a State ID from their state? It can be used as identity, and it does not contain the DL info. Plus, in my state, it lasts a year longer.

It just seems to be a "point of contention" instead of an actual issue.... but maybe you disagree, perhaps I just don't understand the whole concept...

MY ID IS THE SIGNATURE ON THE BACK OF CARD

#95 cara_starr

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Posted 03 November 2008 - 10:52 PM

Shall we write letters to our soldiers in Iraq, telling them while they're fighting for whatever they're fighting for, we're fighting at home too, for freedom to use our credit cards without ID?

I laughed so loud, i scared the baby.

Srsly i DO NOT understand the hype, either way. You guys should move if you live a place where the stores you frequent are suspected to be full of employees asking for ID's so they can come rob you. sheesh. :dntknw:

but that is just my unpopular opinion. :blush2:

#96 GEORGE

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Posted 03 November 2008 - 10:58 PM

Shall we write letters to our soldiers in Iraq, telling them while they're fighting for whatever they're fighting for, we're fighting at home too, for freedom to use our credit cards without ID?

I laughed so loud, i scared the baby.

Srsly i DO NOT understand the hype, either way. You guys should move if you live a place where the stores you frequent are suspected to be full of employees asking for ID's so they can come rob you. sheesh. :dntknw:

but that is just my unpopular opinion. :blush2:

FIND A STORE THAT WILL ASSUME YOU STOLE THE CARD...AND NEED TO SEE YOUR ID TO CLEAR YOU

#97 maxximus_75

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Posted 03 November 2008 - 11:06 PM

Just as that is again the T&C of Visa and Mastercard, where as soo many people write 'Check ID' on the signature strip.

That also, is going against the Visa and Mastercard T&C as it clearly states on the card 'Not valid unless signed'

Im am sure if you read through their entire T&C's both consumer and retailer break them frequently!

#98 cara_starr

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Posted 03 November 2008 - 11:06 PM

do you hear that??? it's the sound of my heart jumping out of my chest when i hit refresh and see the technicolor scream post.

#99 Continental

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Posted 03 November 2008 - 11:12 PM

here's the thing...

Visa/MC FORBIDS merchants asking for ID.

If you want to show your ID, fine...go for it...

if you want to hand your wallet to a stranger on the street, more power to you

if you want to stick a fork in an electrical outlet, I won't stop you

but the merchant IS NOT allowed to ask for ID, and they can lose their ability to accept credit cards if they do so...

How about a Pet Store Clerk swiping my girl friends Visa card and then asked for picture id. When my GF refused, the clerk refused her purchase and she had to walk out without anything.

Next months statement the Pet Store charged the purchase and no refund.

Remember once the card is swiped and approved the purchase is complete!!!! and the merchant has their money. Why would you go through an unnecessary step in checking id. It is all after the fact the merchant has been paid already!!!!!!!

Completely prohibited and outrageous! Merchants cannot make ID a condition of acceptance. Immediately call 1-800-VISA-911. Make sure that horribly behaving pet store shapes-up and never asks for ID again.

Never show ID for signed credit card purchases.

No ID required for signed 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 at:

http://www.mastercar...violations.html

Check the box that says "Merchant required ID"



Never show ID for signed credit card purchases.

No ID required for signed credit card purchases.

Make sure your community is 100% violation-free. :lol:

#100 Credit Matters

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Posted 03 November 2008 - 11:13 PM

Can someone clarify something for me, since I swear I read this on the Visa/MC site, but then see these lovely threads....

isn't California exempt from the Visa/MC of "no ID required, and it's against the rules to ask"?

Which means, in CA, they CAN legally ask for ID.

is that correct?


California law allows merchants to ask for ID. I have posted the code here before. Don't have time to dig it up. But it's around.

The California law has no effect on the Visa/MC rules which prohibit merchants from requiring ID. All the law means is the state itself does not stand in the way of ID checks. Merchants are free to enter into contracts with Visa/MC that are more restrictive. Merchants cannot make ID a condition of acceptance. Report violation (if any) as usual to Visa/MC and the nonsense will stop.


California law allows merchants to ask for ID.

I was just answering the question.




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