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

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doug11
 
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Asking for billing zip code on credit cards at gas stations is ILLEGAL!

Postby doug11 » Thu Feb 17, 2011 9:52 pm

You know how the pay at the pump asks for the credit card billing zip code? That is now 100% illegal and the gas station can be fined $250 to $1000 per offense in California

http://www.mercurynews.com/action-line/ci_17392903?nclick_check=1

Do not enter your zip code! Refuse and report!


dmband
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Postby dmband » Fri Feb 18, 2011 2:42 am

Why is this illegal and why wouldn't we want this to protect people from stolen identity and cc's? Maybe I'm just missing the idea on this one.

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Pete838
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Postby Pete838 » Fri Feb 18, 2011 11:56 am

I for one am glad to enter my ZIP. At first I thought it was for demographic data collection, but once I entered it incorrectly and my transaction was canceled.
Besides, they aren't storing the data, they are using it for an ephemeral time to verify your identity.
Freedom is never more than one generation away from extinction. We didn't pass it to our children in the bloodstream. It must be fought for, protected, and handed on for them to do the same.
Ronald Reagan

doug11
 
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Postby doug11 » Fri Feb 18, 2011 1:30 pm

The zip code request is an invasion of privacy and does it really protect people with how many stories we hear in the news lately about crooks rigging the terminals to read and store cardholder data?

DoingHomework
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Postby DoingHomework » Fri Feb 18, 2011 1:51 pm

This is only relevant in California. It is indeed illegal under a California privacy law from the 1970s that prohibits companies from collecting any kind of personal information that allows a person to be identified. The combination of zip code and name are sufficiently unique, in the opinion of the California Supreme Court to make asking for the zip code illegal.

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Elliot Castro
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Postby Elliot Castro » Fri Feb 18, 2011 7:50 pm

Hmm, one would think for safety reasons against fraud, that a random PIN would be much superior to a postal-code which can much more easily be found out.

pixiedust
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Postby pixiedust » Sat Feb 19, 2011 12:45 am

What is all the fuss about? Do Californians not like having their credit cards be safer and better protected against unauthorized use?

VApennypincher
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Postby VApennypincher » Sun Feb 20, 2011 10:58 pm

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.

nuffsaid
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Postby nuffsaid » Mon Feb 21, 2011 2:28 am

I live in California and bought gas today and still had to enter my zip code. Has the law gone into effect yet?

DoingHomework
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Postby DoingHomework » Mon Feb 21, 2011 10:32 am

nuffsaid wrote:I live in California and bought gas today and still had to enter my zip code. Has the law gone into effect yet?


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.

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.

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.



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