Asking for billing zip code on credit cards at gas stations is ILLEGAL!

For just about anything you want to get off your chest about credit cards.
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DoingHomework
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Postby DoingHomework » Mon Feb 21, 2011 10:34 am

VApennypincher wrote:A zip code is easy to find out if you live in a small town or know the person. If credit cards had PIN numbers the theft of mine could have been prevented that is what really needs to be used.


If you had not given your girlfriend your card and then delayed reporting the crime then you would not have a problem. If you had had a PIN number you would have given her that too I'm sure.

PIN numbers would be a royal PITA for those of us who accept credit cards in a business. And they would add no security.


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Mogul of Pineapples
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Postby Mogul of Pineapples » Thu Feb 24, 2011 7:12 pm

DoingHomework wrote:The law went into effect in (I think) 1971. The recent CSC ruling ordered the trial court to establish rules and deadlines for implementation. In other words, in the next few months the court will issue an order requiring all merchants in California to stop asking for information by a certain date. Right now it is illegal as it has been for 40 years, but this is a period of limbo while they figure out how to comply with the law in a reasonable way.


I was not aware of that. You sure know a lot about the law!
It will be interesting because some credit card companies (like American Express) require the zip code to process a transaction. In theory the California law is not binding on American Express since they are not a California merchant. Merchants in California contract with a bank to process cards. But in the end this will all be worked out.


Since American Express does have business operations in California, would that obligate them to follow the law?

I would not be surprised if Federal banking regulators step in and make it acceptable under Federal law for security purposes. Then we would be back to teh same old
situation.

That's what should happen. Entering a zip code at a gas pump is not an invasion of privacy. This is a fuss over a non-issue in my book.
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debitcard guru
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Postby debitcard guru » Sat Mar 05, 2011 7:06 pm

It can happen without zip code as well. I had one happen with me. They copied my number down, name down, CVS number. Then they looked my name up in the phone book or online, to find my address & zip code. I just happen to catch this right away. The merchant credited me back. CVS number shouldn't be on the back of the card.

hotboidrvsf150
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Postby hotboidrvsf150 » Sun Mar 06, 2011 9:05 pm

I think I am missing the point of why this is being discussed? Many people ask me for werid info. i.e my phone number at best buy. Which is fine I dont care. And asking for the zip at the pump is to prevent unauthorized use. If you don't enter the zip where the card bill goes to, your transaction will be declined. This is a GOOD THING :) it helps prevent fraud. Its to protect you. :)

DoingHomework
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Postby DoingHomework » Mon Mar 07, 2011 8:20 am

hotboidrvsf150 wrote:I think I am missing the point of why this is being discussed? Many people ask me for werid info. i.e my phone number at best buy. Which is fine I dont care. And asking for the zip at the pump is to prevent unauthorized use. If you don't enter the zip where the card bill goes to, your transaction will be declined.


No it won't. It is illegal for the pump or merchant to ask. In a few months you will not have to do that. I also don't think it is a big deal but that is the law in California.

As for giving my phone number, I always refuse. I don't want a bunch of telemarketers calling me. Best Buy has no business reason for asking for that information except to harass me with phone calls.



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