12-03-2009 07:26 PM
measter card has an online form to report merchant violations most of my cards a visa , so i have to do it the hard way
You can also call their toll-free number to complain. MasterCard will accept phone reports, but Visa will attempt to convince you to report the merchant via your own card-issuing bank. If you tel them that is not possible, they will ultimately take your report. I have gone back to the offending merchant(s) a day or two later and found they had been re-educated.
This not only works for ID issues and minimum / maximum purchase requirements, but also for failure to perform manual approvals when their POS machines are out of service.
12-03-2009 11:18 PM
12-04-2009 12:06 AM
So I am just curious. What do you say if you don't want to show your ID when they ask? I can't come up with a way to say that nicely and still walk out with my purchase. Anyone care to share how they handle that?
I usually tell them that I don't have ID on me and also that, as a matter of fact, their merchant agreement contract prohibits them from even asking for ID. If they feel my card is being used fraudulently, their supposed to call the authorization center for a Code 10.
Most the time they'll then leave you alone and let you complete the purchase. However, I still call the card Visa / MasterCard / AmEx and drop a dime on them. The card association will contact the merchant's acquiring bank who, in turn, will contact the merchant and lay down the law.
12-04-2009 05:50 PM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.