Merchants aren't allowed to require your ID

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
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2percentPlus
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Postby 2percentPlus » Thu Apr 26, 2012 7:01 pm

I've gotten into 20 minute arguments over this enough times with general managers to tell you that it doesn't matter what is allowed or disallowed, it rarely will end in your favor. Some GM's, not customer service or supervisor types, know how to accept a credit card and compare signatures, others are just as brain-dead as their underlings. They only do what they are told, they want their paycheck.

My new tactic is swipe with Amex and show them by BoA with photo on it, usually they don't know the difference but sometimes they look and act like I'm deaf when they demand identification and that a BoA credit card with your picture on it doesn't matter. I think BoA puts pictures on cards for this reason, not just for fun.

A pin can be good and bad, if somebody gets your pin then you can't dispute the charges. Chip and pin is better as the card cant really be duplicated.


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FastSRT8
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Postby FastSRT8 » Thu Apr 26, 2012 7:10 pm

Actually, where does it state merchants are not allowed to get our ID? Is this a global policy in all countries?
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JCarter
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Postby JCarter » Fri Apr 27, 2012 1:27 am

Moneytalks wrote:extra security I suppose just to make sure you are who you say you are...


You revived a several year old thread from the archives my friend.

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Postby JCarter » Fri Apr 27, 2012 1:40 am

FastSRT8 wrote:Actually, where does it state merchants are not allowed to get our ID? Is this a global policy in all countries?


Core principal # 6.2 "Honor all cards properly presented" as long as the card is signed on the rear, then it is properly presented.

http://usa.visa.com/download/merchants/visa-international-operating-regulations-main.pdf (It is a 1300 page PDF, be warned)

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Postby JCarter » Fri Apr 27, 2012 1:47 am

FastSRT8 wrote:Actually, where does it state merchants are not allowed to get our ID? Is this a global policy in all countries?


Check page 500. Only Manual cash transactions and Quasi-cash (gift cards/certificates) may demand ID.

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FastSRT8
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Postby FastSRT8 » Fri Apr 27, 2012 2:06 am

Thanks JCarter. I should now download the said document and place it in my Blackberry and show it to the merchant! LOL OR print it out and carry it around.
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JCarter
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Postby JCarter » Fri Apr 27, 2012 2:10 am

FastSRT8 wrote:Thanks JCarter. I should now download the said document and place it in my Blackberry and show it to the merchant! LOL OR print it out and carry it around.


neither. iPad the relevant pages.

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FastSRT8
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Postby FastSRT8 » Fri Apr 27, 2012 2:24 am

That's a great idea and a good project for the rookie in the office. Call it initiation. :)
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Postby JCarter » Fri Apr 27, 2012 2:30 am

FastSRT8 wrote:That's a great idea and a good project for the rookie in the office. Call it initiation. :)


We call those rookies, summer law clerks. We are soon to have quite a few floating around. They have to do something, right?

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FastSRT8
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Postby FastSRT8 » Fri Apr 27, 2012 2:38 am

Yes indeed AND what they do has to be politically correct ;) not that I follow those rules.
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