Are you asked for an ID?

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SignHere
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Postby SignHere » Mon Aug 27, 2012 8:53 am

DoingHomework wrote:A merchant may ask for ID if he is suspicious it is not your card. An unsigned card is always suspicious and in that case he is required to ask for ID. Refusing to give ID when asked triggers a process through which the merchant is supposed to seize your card.

You are wrong in that process. No manager familiar with the agreement will contact the headquarters. He likely will contact the card company and the police to report the suspected attempt at fraud. If you rack up more than a couple of those you'll find your card no longer works.

I researched this in the merchant agreement a couple of months ago and called Visa merchant services to confirm my understanding. The "no ID" BS is an incorrect urban legend. The only morsel of truth is that the agreement previously did not allow merchants to routinely ask for ID as a condition for accepting any card. That provision is no longer legal. There has never been a time when a merchant was not allowed to ask for ID on an individual transaction if he thought there was any question.


As I mentioned previously, my ID holds information that in my opinion a store is not authorized by any law to see or obtain the information it contains (however there are currently drafting laws in NJ where they might start requiring ID being stored with gift card purchases). Sure, it can be their "store policy", but there is also something called "my preference". Is it possible for me to see their employee handbook to understand the policies that govern how a store associate handles such personal information? Many people are quick to use the whole it protects both the store and buyer, but in the past, I have had my identity stolen as well as $7,500 with it, and refuse to show it to anyone unless there are laws that require it. Yes, I have a perspective of the other end as well. My wife had her debit card stolen in college. The theives racked up over $500 at a Victoria Secret and had the cashier asked for ID (and mandated it as a check point in purchase) the sale would have not gone through. However, this is the purpose of having protection from using banking services and having zero froud liability. VS still got their money from the sale (as well as authorities viewing their tapes) and my wife got her money back from the bank. However, the fake id's that were made with my personal information I cannot get back, nor can I be assured that my information is forever safe as I now do not know who has it other than myself in a safe place.

That is what happens when you trust the wrong person just one time with your personal information. Had a store employee ever taken my credit card, I would call the authorities for them and would be happy to show the police my ID to retreive it. As I mentioned, it might be their policy, but it is my preference to shop there. Stores should post policies on entrances to their stores that they will require ID checks for those using credit cards, and I guarantee you they will lose sales. Any store that feels entitled to that data would no longer see me as a returning customer. Remember, it takes only one time to have your identification stolen and you are forever having to worry about where that information is. A credit card can be stolen hundreds of times, but your personal information (other than your name) is still safe. No one has to agree with me, but watching my credit reports like a hawk is not a hobby for me, it is a job (and a costly one with CR freezes, monthly CR subscriptions and what not) because I know at anytime a new account could pop up at any point. That is how I ended up caring about my credit score, not because I wanted to be the most credit worthy person in the world, but because I had to do something other than monitor it for fraud.

Does is really look that fraudulant that a 25 year old carries around Amex? They didn't check the ID of lady in front of me when she used her Amex.

Oh well... end of my rant and personal opinion on that matter.
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jlam572
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Postby jlam572 » Tue Aug 28, 2012 9:35 pm

SignHere wrote:If your card is unsigned a cashier can request ID. However, from what I have read, it is against their merchant-store agreement to refuse to follow through with a sale if they request any form of ID and it is not given. Therefore, if I am ever requested ID (which as been done twice once at a wawa and once at a marshalls) I refuse. If they say they won't process without ID, I tell them to cancel the sale, have their store manager contact their headquarters to familiarize themselves with their merchant agreements, and walk out. Yeah, maybe it is a little harsh on my end, but I do not want people to know my address (not that it isn't public information) but it is the principal of disclosing personal information to someone who is, in my opinion, not entitled to it.


Exactly why I use a PO box on my DL :)
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Pworld10
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Postby Pworld10 » Wed Aug 29, 2012 2:17 pm

I was told not to sign the back of my card so they had to ask me for ID. This was a few years ago. I guess that theory is thrown out the window. That sucks.
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websteth
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Postby websteth » Wed Aug 29, 2012 6:17 pm

Pworld10 wrote:I was told not to sign the back of my card so they had to ask me for ID. This was a few years ago. I guess that theory is thrown out the window. That sucks.


I've never been told not to sign my card. Most cards even state "Not Valid Unless signed". I always saw an unsigned card as a problem waiting to happen. Anyone could pick up your card and sign it making it theirs.
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jlam572
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Postby jlam572 » Thu Aug 30, 2012 12:17 am

Pworld10 wrote:I was told not to sign the back of my card so they had to ask me for ID. This was a few years ago. I guess that theory is thrown out the window. That sucks.


My gf signs it with "see ID" I think I might start doing that as well
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DeadSpider
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Postby DeadSpider » Fri Aug 31, 2012 12:19 pm

I got asked for ID at Smiths for buying $100 gift card !! Lady said any gift card $100 need ID and i think she took DOB or was it my licence # i didn't pay attention i should have.

Maybe next time i go tell them i don't have ID i mean what's the difference, buying $100 giftcard vs $300 in groceries with no id ?
Funny thing i bought a single Amazon gift card from VONS $500 no id.

I feel like i WANT to argue with the on my next purchase grrr.
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FastSRT8
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Postby FastSRT8 » Sat Sep 01, 2012 3:35 pm

I'd say gake my fingerprint as id and then proceed to give them the finger lol
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murakami
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Postby murakami » Sat Sep 01, 2012 8:35 pm

jlam572 wrote:My gf signs it with "see ID" I think I might start doing that as well


you should always sign the back of the card. I saw a presentation from someone in the fraud department in a bank and he basically said that by not signing the card you are responsible for all charges made on that card and cannot claim any fraudulent charges against the issuer (part of the Not Valid Unless Signed clause). I forget exactly how he said it, but the point was always sign your card or you could be up a creek without a paddle.

After hearing him, I went and signed all of mine.

jlam572
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Postby jlam572 » Sat Sep 01, 2012 8:36 pm

murakami wrote:you should always sign the back of the card. I saw a presentation from someone in the fraud department in a bank and he basically said that by not signing the card you are responsible for all charges made on that card and cannot claim any fraudulent charges against the issuer (part of the Not Valid Unless Signed clause). I forget exactly how he said it, but the point was always sign your card or you could be up a creek without a paddle.

After hearing him, I went and signed all of mine.


Noted...always looking for an excuse to tell her what to do.
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Postby Reclusive46 » Sun Sep 02, 2012 5:54 am

Bear in mind that there is nothing wrong with signing it and writing See ID.
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