Problem with New Quicksilver Card

[ojefferyo]

My friend has had his card restricted 2 times already. Once on first purchase which got declined and once while he was traveling. He used his other Cap1 card and it went through. Both time he was one the phone for 15+ mins. My card was also restricted on first purchase, why give us the card if you are gonna restrict us so quickly?

[UncleB]

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@Anonymous wrote:

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UncleB wrote:    

Is the card activated?

You stated it was your brothers first time using it, so it could have been an oversight. I know it sounds simple, but it does happen to the best of us. 

I personally have never had an issue charging my Cap One cards.

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+1

When I worked retail, anytime a card was declined and it "looked new" I would always ask the customer if they had activated it yet...

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Isn't there a HUGE  white sticker that says, "ACTIVATE ME!" on the credit card? The person lost $27 dollars in rewards. That's 11 grande cups of coffeeeeeee! Ahhhhhhh! This is the greatest horror halloween story of the week.

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Be nice, Friz! 

We don't know for sure that's the case yet... it could very well be Capital One suspecting fraud.  We were only mentioning the activation issue since it actually is quite common.  Believe it or not, there are folks who pull that sticker off with the intention of calling later, and some folks just get distracted and don't pay attention. 

The OP will probably let us know once his brother has a chance to call Capital One.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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I would have contacted Capital One on the spot and since he used his debit card, he longer gets th 1.5% cash back. Merchants are suppose to check customer IDs, otherwise people can use any card they steal. If they recognize you then that's okay.

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Uh, definitely not true about merchants checking IDs when using credit cards.  In fact, both Visa and MasterCard have provisions in their agreements with retailers that specify that they are not supposed to check IDs. Under their agreements they cannot refuse to process a credit card transaction if you refuse to provide ID.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

When we tried to check out, he was asked for his id (which I found odd since I've bought things with my credit card there and have never been asked).  Anyway, after he showed his id, the clerk said  the transaction was declined.  Declined?  He has never even used the card before--this would have been his first charge.  The cashier tried it again but no go.

The cashier said he didn't know why it was declined and that my brother should contact Capital One.  He wound up using his bank debit card to get the things he needed since he didn't have the time to hassle with them this morning. 

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 Merchants are suppose to check customer IDs, otherwise people can use any card they steal. If they recognize you then that's okay.

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Actually, both MC and Visa explicirly say that the merchant cannot ask for ID as a condition of taking the card  (i.e. they can ask but if the customer refuses they still have to proceed)

ETA: Irish beat me!

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

When we tried to check out, he was asked for his id (which I found odd since I've bought things with my credit card there and have never been asked).  Anyway, after he showed his id, the clerk said  the transaction was declined.  Declined?  He has never even used the card before--this would have been his first charge.  The cashier tried it again but no go.

The cashier said he didn't know why it was declined and that my brother should contact Capital One.  He wound up using his bank debit card to get the things he needed since he didn't have the time to hassle with them this morning. 

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 Merchants are suppose to check customer IDs, otherwise people can use any card they steal. If they recognize you then that's okay.

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Actually, both MC and Visa explicirly say that the merchant cannot ask for ID as a condition of taking the card  (i.e. they can ask but if the customer refuses they still have to proceed)

ETA: Irish beat me!

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If that is the case, then what we have here is a poorly trained or misinformed employee, vainly asking for ID which can be refused. I'm going to decline showing my ID once just to test their reaction--pretend to not have it on me. I've seen customers say they'll be right back, poor fella.

[ojefferyo]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

When we tried to check out, he was asked for his id (which I found odd since I've bought things with my credit card there and have never been asked).  Anyway, after he showed his id, the clerk said  the transaction was declined.  Declined?  He has never even used the card before--this would have been his first charge.  The cashier tried it again but no go.

The cashier said he didn't know why it was declined and that my brother should contact Capital One.  He wound up using his bank debit card to get the things he needed since he didn't have the time to hassle with them this morning. 

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 Merchants are suppose to check customer IDs, otherwise people can use any card they steal. If they recognize you then that's okay.

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Actually, both MC and Visa explicirly say that the merchant cannot ask for ID as a condition of taking the card  (i.e. they can ask but if the customer refuses they still have to proceed)

ETA: Irish beat me!

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If that is the case, then what we have here is a poorly trained or misinformed employee, vainly asking for ID which can be refused. I'm going to decline showing my ID once just to test their reaction--pretend to not have it on me. I've seen customers say they'll be right back, poor fella.

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As long as he signed the back of the card. No signature means they can ask.

[pipeguy]

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@Anonymous wrote:

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@Anonymous wrote:

When we tried to check out, he was asked for his id (which I found odd since I've bought things with my credit card there and have never been asked).  Anyway, after he showed his id, the clerk said  the transaction was declined.  Declined?  He has never even used the card before--this would have been his first charge.  The cashier tried it again but no go.

The cashier said he didn't know why it was declined and that my brother should contact Capital One.  He wound up using his bank debit card to get the things he needed since he didn't have the time to hassle with them this morning. 

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I would have contacted Capital One on the spot and since he used his debit card, he longer gets th 1.5% cash back. Merchants are suppose to check customer IDs, otherwise people can use any card they steal. If they recognize you then that's okay.

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Actually a merchant can NOT require a customer to show ID, it's against MC/V/AE merchant agreements (not sure about discover). The "authorization" on the card is all that is required - on a manual authorization where you are calling the processing certer (pretty rare today) you might get a code to pick up the card if you can, but in NO case is a merchant required or authorized to demand ID to complete the sale. 

Note I was in the retail business for almost 40 years and 18 of those I owned my own business and had merchant accounts with MC/V/AE during these periods. 

ADD: Irish besat me too - should have read the whole tread before posting 

[Anonymous]

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@pipeguy wrote:

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@Anonymous wrote:

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@Anonymous wrote:

When we tried to check out, he was asked for his id (which I found odd since I've bought things with my credit card there and have never been asked).  Anyway, after he showed his id, the clerk said  the transaction was declined.  Declined?  He has never even used the card before--this would have been his first charge.  The cashier tried it again but no go.

The cashier said he didn't know why it was declined and that my brother should contact Capital One.  He wound up using his bank debit card to get the things he needed since he didn't have the time to hassle with them this morning. 

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I would have contacted Capital One on the spot and since he used his debit card, he longer gets th 1.5% cash back. Merchants are suppose to check customer IDs, otherwise people can use any card they steal. If they recognize you then that's okay.

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Actually a merchant can NOT require a customer to show ID, it's against MC/V/AE merchant agreements (not sure about discover).

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Sigh. This is the third duplicate answer. If I need a credit card zealot, I'll know where to find one.

[Anonymous]

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@Anonymous wrote:

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@pipeguy wrote:

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@Anonymous wrote:

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@Anonymous wrote:

When we tried to check out, he was asked for his id (which I found odd since I've bought things with my credit card there and have never been asked).  Anyway, after he showed his id, the clerk said  the transaction was declined.  Declined?  He has never even used the card before--this would have been his first charge.  The cashier tried it again but no go.

The cashier said he didn't know why it was declined and that my brother should contact Capital One.  He wound up using his bank debit card to get the things he needed since he didn't have the time to hassle with them this morning. 

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I would have contacted Capital One on the spot and since he used his debit card, he longer gets th 1.5% cash back. Merchants are suppose to check customer IDs, otherwise people can use any card they steal. If they recognize you then that's okay.

---

Actually a merchant can NOT require a customer to show ID, it's against MC/V/AE merchant agreements (not sure about discover).

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Sigh. This is the third duplicate answer. If I need a credit card zealot, I'll know where to find one.

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Yes, forums work that way sometimes.   But why were those answers needed?   Oh yes, because YOU posted incorrect info.  But lets blame others!

[Open123]

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@ojefferyo wrote:

As long as he signed the back of the card. No signature means they can ask.

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Right, if the card isn't signed (or, with the see ID & Mickey Mouse stuff), a Merchant is required to see a Gov't issued ID, and watch the person sign the card.  Once the signature matches the ID, he may then proceed to accept the charge.  In all my years, I've only seen one cashier handle this properly.  

Amex doesn't have an ID policy, but stipulates that it must "align" with other payment processors.  So, in an AMEX only Merchant, ID may be asked for and required for purchase, but never in an establishment that also accepts either Visa or MC.