Merchants aren't allowed to require your ID

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JCarter
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Postby JCarter » Fri Apr 27, 2012 7:10 pm

bmw1990Z wrote:I frequently have to show my ID when I use my credit card at places like macy's. Does this mean I DONT have to show ID?


Correct. You do not HAVE to show it.


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Postby bmw1990Z » Fri Apr 27, 2012 9:20 pm

I'm a normal college student...far from a rapper lookin a fool. I find it wrong, however when traveling in other cities, I notice that some stores (especially higher end) ask every customer to show ID when paying with debit/credit cards...
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Postby FastSRT8 » Fri Apr 27, 2012 9:41 pm

bmw1990Z wrote:I'm a normal college student...far from a rapper lookin a fool. I find it wrong, however when traveling in other cities, I notice that some stores (especially higher end) ask every customer to show ID when paying with debit/credit cards...


Unless you are a really old guy then they don't as much. OLD guy with a hot young blonde... for sure they won't ask you for ID
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JCarter
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Postby JCarter » Sat Apr 28, 2012 11:52 am

FastSRT8 wrote:Unless you are a really old guy then they don't as much. OLD guy with a hot young blonde... for sure they won't ask you for ID


Actually I have been asked for ID with blondes, brunettes, and red heads. Makes no difference. I just refuse ID.

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Postby FastSRT8 » Sat Apr 28, 2012 1:06 pm

Hmmm I must be doing something wrong/right then!
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Postby 2percentPlus » Sat Apr 28, 2012 4:36 pm

JCarter wrote: I just refuse ID.


That might work depending on what you look like, my experience is it doesn't work. Sometimes I walk out and end up wasting my own time.

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Postby JCarter » Sat Apr 28, 2012 5:30 pm

2percentPlus wrote:That might work depending on what you look like, my experience is it doesn't work. Sometimes I walk out and end up wasting my own time.


With which Merchant?

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Postby American » Sat Apr 28, 2012 9:41 pm

The rule is as states: Any purchase under $200 or $250, depending on state must require a signature, and the merchant will require an authorized form of signature either your license (because you sign on that as well) or the back of your credit card if there is a signature. The merchant cannot ask for your drivers license if you deny them and your card is signed. Anything over $200 or $250 the merchant may require a Photo ID for further verification. If you're asked for a photo ID and you refuse, so they refuse your card. So long as your card is signed, and your total purchase is less than $200-$250, you may call the card processor, and they will fine the merchant typically in the neighborhood of $500 to $2,500.

The reason why merchants do this is because if you're card is proven to not be yours, and your card issuer gives you the money back. The merchant is out. Say someone bought a $3,000 worth of stuff and they give you that money back, whatever merchant you purchased it at just lost $3,000 worth of product... The likelihood that a card holder is going to hate showing their ID and complain is VERY small. Most people even prefer the option of showing ID. Most high price merchants would rather pay the penalty than risk losing money on fraud. This is why low end retailers like Gas Stations and Grocery stores couldn't care less about if that card is yours. They'd rather lose product than pay penalties. Plus, they typically do more transactions; therefore, they do not want to pay hourly rates for people to check ID's. They'll lose the dollar on food value than pay $1,500 for one card penalty. Where as Best Buy would rather lose $1,500 on a card penalty than $5,000 of product.

Hopefully, my explanations help.
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Postby handslikestars » Sun Apr 29, 2012 5:14 pm

Hey all, let me give you the cashier's perspective (I work for a luxury retailer).

When someone hands me a CC the first thing I do is check the back. 70% of the time there is no signature at all. 5% of the time someone has written CID or Check ID. The rest of the cards are usually signed, probably in chicken scratch.

Now, if you're purchasing something less than $50 and are a normal person, I don't care who you are. I'm going to swipe your card and we'll both go on our merry way. If you hand me your card and make some stupid joke about fraud, I'm going to ask for your ID. If you rummage through a pile of cards that all look the same but have different numbers, I'm going to ask for your ID.

If you hand me a card with a name that doesn't "fit" (i.e. you are a standard American white male and you hand me a card that says Malik Abdoulla or Chen Lai) I'm going to ask for your ID. I know it doesn't sound right, but we do profile. We profile because we have been defrauded before and it sucks. I would rather pay a fine than have someone walk out of my door with $2000 of my merchandise.

When we are defrauded we lose twice. We have to give back the money and we are still SOL on the merchandise. Not to even mention the hours of paperwork and phone calls. Time is money. I would rather piss off a customer and have them go storming out empty handed then risk the fraud. And honestly, when you all refuse to take a second to flash an ID and storm out, we assume that you are indeed trying to pull a fast one.

We are generally NOT interested in where you live or picking off your information. We just glance at your name and pic, then your face to see that they match up. You all give more sensitive information when you sign up for a magazine subscription than by simply flashing an ID for 2 seconds.

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Postby FastSRT8 » Mon Apr 30, 2012 2:48 am

handslikestars wrote:Hey all, let me give you the cashier's perspective (I work for a luxury retailer).

When someone hands me a CC the first thing I do is check the back. 70% of the time there is no signature at all. 5% of the time someone has written CID or Check ID. The rest of the cards are usually signed, probably in chicken scratch.

Now, if you're purchasing something less than $50 and are a normal person, I don't care who you are. I'm going to swipe your card and we'll both go on our merry way. If you hand me your card and make some stupid joke about fraud, I'm going to ask for your ID. If you rummage through a pile of cards that all look the same but have different numbers, I'm going to ask for your ID.

If you hand me a card with a name that doesn't "fit" (i.e. you are a standard American white male and you hand me a card that says Malik Abdoulla or Chen Lai) I'm going to ask for your ID. I know it doesn't sound right, but we do profile. We profile because we have been defrauded before and it sucks. I would rather pay a fine than have someone walk out of my door with $2000 of my merchandise.

When we are defrauded we lose twice. We have to give back the money and we are still SOL on the merchandise. Not to even mention the hours of paperwork and phone calls. Time is money. I would rather piss off a customer and have them go storming out empty handed then risk the fraud. And honestly, when you all refuse to take a second to flash an ID and storm out, we assume that you are indeed trying to pull a fast one.

We are generally NOT interested in where you live or picking off your information. We just glance at your name and pic, then your face to see that they match up. You all give more sensitive information when you sign up for a magazine subscription than by simply flashing an ID for 2 seconds.


All true and well stated.

I for one just show my ID and move on. It's just easier and I don't have time for the added hassle.

BUT I do see the point being made here. Just as merchants are entitled to enforce their rules, so are the customers. IF there is a rule out there that precludes us from having to show ID then it should be honoured too no?

What and how does credit card companies penalize the merchants should customers call and get upset about having to show ID??
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