Hi all, a little off topic but something I am curious about....
On another website, people were saying how they never sign the back of their card and, at best, will put "Please See ID" but that some people even refuse to show their ID. All these people said it was never a problem using the card.
Has anyone here done that or are y'all like me...and sign the card? Do you think it matters who the card is owned by?
Starting Score: 799
I think one of the links posted earlier on this thread went back to a long, wrangling discussion about this a year or so ago.
As I understand it, Visa and MC forbid asking for additional ID, and supposedly you can rat out merchants who try to do so. I can see both sides of the issue --if a store were genuinely looking out for me by asking for additional ID, I wouldn't mind. But since the typical 17-year-old gum-snapper rarely even glances at the back of my cards, much less compares the signature there to the one I produce at check-out, I don't get any warm fuzzies from the idea of the store providing an extra layer of security.
My guess is that the CCC's have fraud recovery built in as a cost of doing business, and it's cheaper to fix it after it happens than to deal with irate customers who were declined at the register.
In fact, I've always begged people to reject my driver's license as not looking like me, but unfortunately, they seem to find a match.
As I understand it, Visa and MC forbid asking for additional ID, and supposedly you can rat out merchants who try to do so. I can see both sides of the issue --if a store were genuinely looking out for me by asking for additional ID, I wouldn't mind. But since the typical 17-year-old gum-snapper rarely even glances at the back of my cards, much less compares the signature there to the one I produce at check-out, I don't get any warm fuzzies from the idea of the store providing an extra layer of security.
My guess is that the CCC's have fraud recovery built in as a cost of doing business, and it's cheaper to fix it after it happens than to deal with irate customers who were declined at the register.
In fact, I've always begged people to reject my driver's license as not looking like me, but unfortunately, they seem to find a match.
@haulingthescoreup wrote:
I think one of the links posted earlier on this thread went back to a long, wrangling discussion about this a year or so ago.
As I understand it, Visa and MC forbid asking for additional ID, and supposedly you can rat out merchants who try to do so. I can see both sides of the issue --if a store were genuinely looking out for me by asking for additional ID, I wouldn't mind. But since the typical 17-year-old gum-snapper rarely even glances at the back of my cards, much less compares the signature there to the one I produce at check-out, I don't get any warm fuzzies from the idea of the store providing an extra layer of security.
My guess is that the CCC's have fraud recovery built in as a cost of doing business, and it's cheaper to fix it after it happens than to deal with irate customers who were declined at the register.
In fact, I've always begged people to reject my driver's license as not looking like me, but unfortunately, they seem to find a match.
Yes, you can "rat out" merchants who ask for ID or who have minimum / maximum amounts they will accept with card payments. I have ratted out several and apparently Visa / MasterCard / AmEx does take swift and effective action.