Problem Solver
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I deal with this all the time as a security consultant and this seems to be the best way to explain it: the security checks for online and pin based systems are purely numeric. When you show your id to a skimmer or potential thief, you fill in three pieces of a puzzle that the cc companies rely on for your privacy. The thief gets your zip code, house number, and as they flip your cc over, your cvv2 number. Now you have just handed them all they need to complete a purchase on line or over the phone. Please please please have faith in the people who design these security protocols and just accept the fact they don't want to broadcast their game plan, just follow the rules and insist that your merchants do the same. I shop at a popular electronics store and they ALWAYS ask for id. I ALWAYS say no and explain why. Funny thing is, they have security checking your shopping bags at the door and one day I got home to find a $200 hard drive had not been rang up yet I made it out of the store! Fun fun. |
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echo
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I seem to always make people angry when I type this answer, but, I didn't make the credit card policies.
It is against Visa, MasterCard and AmEx policy for a merchant to request ID when the card has a proper signature.
If a merchant requests ID, when the card has a proper signature, and the person files a complaint with Visa, MC or AmEx - the merchant may receive a warning. If more complaints are filed, the merchant may receive a fine and/or lose the right to take whichever credit card (Visa, MC or AmEx)
It is against credit card policy for a merchant to request a fee for using a credit card for purchases - It is also against the law in some states.
If a properly signed credit card is stolen, the card holder is only liable for the first $50. If the card company realizes that the card had not been properly signed, the card holder may be responsible for the full amount of any charges due because of the theft. |
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dean h
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I don't know about the rules but I am asked to provide I.D most every time I use my Visa card. I have perfect credit history. I guess that I must look like a thief. lol. |
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kittykitty9524
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no they are not allowed to do that i should my dad this question and he said no they cannot do that. |
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nightprowler
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they are supposed to ask ..that's to protect you from someone else using your card without your permission...most places don't ask ...but they should..that would help keep the fraud down...you should be glad they ask...when someone steals your card you might appreciate that they do |
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Ichiban
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It is absolutely for your safety. I always thank clerks when they ask. It's quite easy for someone to steal your wallet and use your credit card. If the clerk asks for a photo ID she can compare the photo to you, then compare the name and signature on the card.
I always had my staff check ID when there was a purchaser that they'd never met before (most of our sales are repeat purchases). It protects the store but most of all it protects you! |
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erika
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I am extremely happy to provide my ID when i use my credit cards. they are definitely allowed, most stores require that you show ID - all about safety, your safety! |
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De
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Each store has a policy. I would be flattered in this day and age that someone took the time to actually ask me for it. In my business, I have a quick response time for a stolen credit card, they may not or have had some issues in the past. Visa is constantly changing the rules about things and merchants lose out on revenue because someone didn't do their job like ask for id or zip code. |
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what did you say
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I don't understand why you are so mad If you reach into your wallet for your card than your id should be in there to.People have Job to do and if checking id is one of them so what.How would you like for someone to criticize your job lighten up |
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calliope320
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You sound really silly, you know. You're upset that someone's making sure it's you using your credit card?
Fraud protection is great after the fact, but why not keep the fraud from happening in the first place? What's more, get the theives caught. The transaction would be flagged much earlier than usual if the cashier asks for your ID, meaning they'd actually give the police something to go on. When you go to a cashier and ask them to describe a person who used so-and-so's card last month, they won't remember. |
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shanla
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They do it for your own protection. So they know it is you using it and not someone who has stolen it. |
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Doodlestuff
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A merchant can ask you for ID for any purchase except cash (and even then if it's a regulated item). If you refuse, they can also refuse to honor your purchase and tell you to leave. Don't make life suck for the cashier. She is doing her job and has been instructed to ask for ID. Most merchants in my area do so and they accept cards other than VISA as well.
If you are insulted, the problem is with you, not with the merchant. |
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Chotu B
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Every store has a different policy. But yes, they have every right to ask to see your ID, and can refuse service if you don't show it. They didn't single you out; they're protecting you. If they ask everyone, they don't have to seem shady when they card a strung-out wino shaking with DTs trying to buy expensive jewelry. Yes, they can refuse service: I've done it. I used to work at a store where I was required to check the ID of everyone not paying with cash. |
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simplynxplicable@verizon.net
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Each store has it's own policy, some of which require ID for credit card purchases. If you refuse to show ID, they have the right to refuse your sale. Their store, their policy. |
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Akbar B
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Yes and it is good for you as you don't want someone using your Visa if it really was stolen. |
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sport1fun
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She was just making sure for your protection. I hope someone steals your card and uses it at a place where they don't check ID's and then you will learn a valuable lesson. |
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anjaan
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I am a newly partime sales manager. Today one man came to our shop and he bought some items cost more than $180.00. And he carried three visa cards. two of which is declined by our credit card machine. And the third one is finally excepted and I forget to asked for his id. Now I am very scared that may be the card may be stolen because I am a newly hired sales manager. What will happened if the card is stolen and the owner is sued and I will fired from my job. Can somebody help me with that |
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Auntie Apathy
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It most certainly is a violation of the merchant's agreement to either ask for identification or to refuse to complete the sale if you refuse to show ID. The merchants ARE NOT doing this for your safety. YOU are protected by the credit card issuer from fraudulent use. What you may not be protected from is identity theft which may occur when you give a total stranger access to your identification. Have your identity stolen one time and see if you hand out your private information so fast in the future. |
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