fffresh wrote:I read an article on MSN Money about credit card myths and #3 was that merchants are allow to require photo ID when you pay with a credit card.
FALSE! Merchant's agreements with Visa, Mastercard, Discover, and American Express specifically forbid a merchant from requiring an ID. The signature is supposed to be enough.
If merchants weren't breaking enough rules to make it worse Visa and Mastercard contracts with merchants are supposed to prevent them from even asking for any ID at all! Discover and American Express don't outright ban it like Visa/MC but they do strongly discourage it.
I can't tell you how many times in my life I have been able to make a purchase, small purchases, simply because I didn't have my drivers license on me. This pisses me off that merchants do this to us when they're not supposed to! How can we report them to the credit card companies?
This is not really a problem for me. At least I know they are being careful for unauthorized charges. One of the things I can think of why merchants are doing that is because they are the ones who are losing profit every time an unauthorized charged is disputed by credit card holders.