topic Re: PLEASE SEE I.D. in Credit Cards

PLEASE SEE I.D.

7PM789 — Fri, 28 Dec 2012 08:44:40 GMT

I write this on the back of all my cards over signing them because anyone that actually checks would have to view my picture while simultaneously viewing my signature beneath it on my drivers license... Also there is no signature for a thief to copy if attempting to make a fraudulent purchase with my lost/stolen card.

How many people write this on the back of there card?

Also if you do what is the frequency that people actually ask to see some photo I.D.?

Sadly in my experience it doesn't happen often.

Re: PLEASE SEE I.D.

visorboy1974 — Fri, 28 Dec 2012 09:25:49 GMT

Technically you're violating your credit card agreement unless you sign your card, then put SEE ID next to it.

Re: PLEASE SEE I.D.

CreditWorld2013 — Fri, 28 Dec 2012 09:43:29 GMT

Technically...stores can't ask for ID when you pay with Visa or MasterCard (It's against their policies). Banks may want the card signed as a "agreement" to the terms and conditions they set for their card but really just swiping it/using it acknowledges the acceptance of the terms. What is even more troubling is that some credit cards work without them even being officially "activated". As for me, I don't even sign the back of my cards...I have horrible handwriting so it wouldn't be of any benefit. I simply monitor my account activity to make sure nothing is out of order.

Re: PLEASE SEE I.D.

visorboy1974 — Fri, 28 Dec 2012 09:52:03 GMT

@CC365 wrote:
Technically...stores can't ask for ID when you pay with Visa or MasterCard (It's against their policies). Banks may want the card signed as a "agreement" to the terms and conditions they set for their card but really just swiping it/using it acknowledges the acceptance of the terms. What is even more troubling is that some credit cards work without them even being officially "activated". As for me, I don't even sign the back of my cards...I have horrible handwriting so it wouldn't be of any benefit. I simply monitor my account activity to make sure nothing is out of order.

How many places make us swipe our own cards now and don't even ask to see the back? I know it's trivial, but you're also very right in the fact that signing the card agrees to T&C. Most of the places that ask to see cards and look at signatures nowadays are places like Best Buy or Fry's.

Re: PLEASE SEE I.D.

jake619 — Fri, 28 Dec 2012 09:55:51 GMT

Is that what that strip is for? Joke! But it kinda seems like a holdover from the olden days of carbon slider card imprint machines. I can't think of the last time a store cashier asked me to hand them my card. Restaurants are different but waiters certainly don't seem to care. I do get asked for ID at retail stores but I suspect it's more to match the names up and *maybe* compare the photo to my face.

Re: PLEASE SEE I.D.

mxp114 — Fri, 28 Dec 2012 10:47:39 GMT

I've seen some great counterfeit IDs so "SEE ID," isn't secure. This is especially true with out of state ID, since people aren't always familiar with them. I always decline to show ID. It's a form of card suppression that is against the network guidelines on accepting a card. Merchants can ask for ID but are highly discouraged from doing so, however they cannot make it a condition of the sale. I report offenders and they are always in compliance within a few weeks after being reported.

Re: PLEASE SEE I.D.

bichonmom — Fri, 28 Dec 2012 10:53:49 GMT

I did that years ago, but now I just sign my name.

ive seen both ends of the spectrum. Many places if its under $25 or $50, you don't even need to sign. You just swipe and go. Then I see the other end where they ask for my I.d. Since reading this forum, I learned that legally they aren't supposed to do that. But I don't make a big deal, and just show them my D.L.

technically, the stores are protecting themselves and NOT the consumer when they ask for I.d. If our cc were stolen, we wouldn't be responsible for the charges. But if the card is stolen and the purchase is made, its the store that gets the short end of the stick. I know. I have an online business (where obviously I can't ask for I.d., but do require address verification and the cvv from the bsck of the card.) I have been the victim of fraud a few times and lost money, when the cardholder claimed that the card had been stolen and/or they didn't authorize the purchase. Same rules apply to brick and mortar businesses.

Re: PLEASE SEE I.D.

mxp114 — Fri, 28 Dec 2012 10:59:01 GMT

@bichonmom wrote:
I did that years ago, but now I just sign my name.

ive seen both ends of the spectrum. Many places if its under $25 or $50, you don't even need to sign. You just swipe and go. Then I see the other end where they ask for my I.d. Since reading this forum, I learned that legally they aren't supposed to do that. But I don't make a big deal, and just show them my D.L.

technically, the stores are protecting themselves and NOT the consumer when they ask for I.d. If our cc were stolen, we wouldn't be responsible for the charges. But if the card is stolen and the purchase is made, its the store that gets the short end of the stick. I know. I have an online business (where obviously I can't ask for I.d., but do require address verification and the cvv from the bsck of the card.) I have been the victim of fraud a few times and lost money, when the cardholder claimed that the card had been stolen and/or they didn't authorize the purchase. Same rules apply to brick and mortar businesses.

I thought stores were protected if they followed guidelines when a properly presented, signed and valid card was used? I should read the merchant guidebook to learn this. Also how does ID protect the merchant? The chargeback process doesn't ask if you saw ID, besides who will remember a specific transaction 30-120 days later, when the chargeback hits? It's not like you can say "oh my cashier checked his ID, it's a valid charge."

I also think some of these things are about creating barriers and discouraging card use. So many (small) businesses accept CC and proudly display those logos to get you in but then add additional hurdles like ID, minimums, maximums, machine not working, etc to ultimately get you to use cash.

Re: PLEASE SEE I.D.

bichonmom — Fri, 28 Dec 2012 11:29:27 GMT

@mxp114 wrote:

I thought stores were protected if they followed guidelines when a properly presented, signed and valid card was used? I should read the merchant guidebook to learn this. Also how does ID protect the merchant? The chargeback process doesn't ask if you saw ID, besides who will remember a specific transaction 30-120 days later, when the chargeback hits? It's not like you can say "oh my cashier checked his ID, it's a valid charge."

I also think some of these things are about creating barriers and discouraging card use. So many (small) businesses accept CC and proudly display those logos to get you in but then add additional hurdles like ID, minimums, maximums, machine not working, etc to ultimately get you to use cash.

That's kind of my point. If someone steals my cc and tries to use it, and the cashier asks for their I.d., its not going to say, "bichonmom." So, the cashier wouldn't put thru the transaction (or the thief would be frightened off), and the store would therefore be saved from a chargeback when I would later call and say, "my cc was stolen and I never went to X store and made that purchase." But if the store doesn't ask for id and puts thru the purchase, and then I call and say my cc was stolen, then the store will lose that money. I'm not responsible and the banks don't cover the loss. It's a part of doing business.

eta: it doesn't prevent it, but it does discourage it. One is more likely to refuse to show I.d. when they are legit. I could be wrong since I'm not a thief, but I'd think that a thief would be too intimidated or concerned about drawing attn to themselves, and wouldn't make the purchase If asked for I.d.

Re: PLEASE SEE I.D.

mxp114 — Fri, 28 Dec 2012 11:49:49 GMT

@bichonmom wrote:
That's kind of my point. If someone steals my cc and tries to use it, and the cashier asks for their I.d., its not going to say, "bichonmom." So, the cashier wouldn't put thru the transaction (or the thief would be frightened off), and the store would therefore be saved from a chargeback when I would later call and say, "my cc was stolen and I never went to X store and made that purchase." But if the store doesn't ask for id and puts thru the purchase, and then I call and say my cc was stolen, then the store will lose that money. I'm not responsible and the banks don't cover the loss. It's a part of doing business.

eta: it doesn't prevent it, but it does discourage it. One is more likely to refuse to show I.d. when they are legit. I could be wrong since I'm not a thief, but I'd think that a thief would be too intimidated or concerned about drawing attn to themselves, and wouldn't make the purchase If asked for I.d.

That makes sense, I guess it could serve as a deterrent. It also serves as yet another obstacle to using your cards, which comes as no surprise as every merchant seems to want cash. Nearly everytime I use my card at small businesses, they ask for cash.

Re: PLEASE SEE I.D.

jsickz32 — Fri, 28 Dec 2012 11:49:56 GMT

I always get asked for ID at stores. I been told my name doesnt match me so i think it might be that.

Re: PLEASE SEE I.D.

Anonymous — Fri, 28 Dec 2012 12:33:10 GMT

@mxp114 wrote:
I've seen some great counterfeit IDs so "SEE ID," isn't secure. This is especially true with out of state ID, since people aren't always familiar with them. I always decline to show ID. It's a form of card suppression that is against the network guidelines on accepting a card. Merchants can ask for ID but are highly discouraged from doing so, however they cannot make it a condition of the sale. I report offenders and they are always in compliance within a few weeks after being reported.

For $50 you can get a fake California DL that even the CHP can't tell is fake unless they swipe it or call it in. I think merchants who ask for ID do so as just a low level deterrent. Besides, it doesn't prevent chargebacks. A dishonest credit card customers can lie and claim they did not make a purchase and the merchant will still lose Eleven though they say they saw ID. Maybe if they had video though . . .

Re: PLEASE SEE I.D.

scenery_guy — Fri, 28 Dec 2012 14:16:16 GMT

Who can even sign on that small strip? I'm not PRINTING my name I am signing. I go all over the back of the card.. it's a mess. Then I smear it. More mess. If they ever look they laugh.

Re: PLEASE SEE I.D.

Anonymous — Fri, 28 Dec 2012 14:24:40 GMT

At some places, if the charge is over $50, they will ask to see the card and my ID, then they have to enter the last 4 digits of the card # in the computer for the transaction to go through.

Re: PLEASE SEE I.D.

jamesdwi — Fri, 28 Dec 2012 14:25:37 GMT

About half my cards have SEE ID on them. the rest are blank Lazy and haven't bothered to put SEE ID.

Place most likely to request my ID whether the card has SEE ID or not. is a Wendy's Hamburger place about 2 miles from my house. For every purchase whether its $5 or $35. Like I'm going to take a stollen AMEX or Chase Freedom to Wendy's for dinner.

Other places that have requested my ID is Walmart when my purchase is over $100. But usually never get asked for my ID. Which is what the cashiers are told to do during training. I was a cashier and CSM (customer service manager) at Wal-mart for 5 years.

I think most of my other purchases are online if they are over $100, or for motels where they have allready seen my ID as part of the check-in proccess. Or resturants where I can't rember ever being asked for an ID.

Re: PLEASE SEE I.D.

Anonymous — Fri, 28 Dec 2012 14:27:09 GMT

I put "SEE ID" on my cards as well. As far as user agreement the moment you activated the card you agreed to all the terms so not signing it afterwards is null.

I went to Best Buys couple days ago and the girl asked for my photo ID and then thanked me, I thanked her back for checking it.

The problem I see is people get so mad when merchants ask for a photo id that they simply stop asking after some point.

They are only trying to protect you and people get angry. I just don't understand people these days.

Re: PLEASE SEE I.D.

jsickz32 — Fri, 28 Dec 2012 14:28:18 GMT

One thing i dont like about amex is that i get asked my zip code everytime i use it.

Re: PLEASE SEE I.D.

jsickz32 — Fri, 28 Dec 2012 14:30:03 GMT

Maybe they dont like their photo on the ID lol

Re: PLEASE SEE I.D.

BearsAndTurtlesRtheBest — Fri, 28 Dec 2012 19:53:19 GMT

My sister nor parents NEVER sign the back if their cards. as soon as they ask for ID THE CAHSIERS JUST BASE IT OFF IF THE NAME IS THE SAME AS THE ONE ON THE CREDIT CARD. NEVER HAVE HAD ANY ISSUES BECAUSE THEY DONT HAVE A SIGNATURE ON BACK OF THE CARD. Thats the good thing about Sams Club Discover your picture is already on theh back so they shouldnt even bother with asking for id because your face is already on the back hahha

Re: PLEASE SEE I.D.

espnjunkie — Fri, 28 Dec 2012 20:13:15 GMT

@BearsAndTurtlesRtheBest wrote:
My sister nor parents NEVER sign the back if their cards. as soon as they ask for ID THE CAHSIERS JUST BASE IT OFF IF THE NAME IS THE SAME AS THE ONE ON THE CREDIT CARD. NEVER HAVE HAD ANY ISSUES BECAUSE THEY DONT HAVE A SIGNATURE ON BACK OF THE CARD. Thats the good thing about Sams Club Discover your picture is already on theh back so they shouldnt even bother with asking for id because your face is already on the back hahha

I personally would not want my photo on my credit card ever. That's giving a bit too much personal information away to people.