is it legal to ask for ID when using a CC?

[weflyhigh]

Assuming the credit card is signed and a MasterCard (or Visa)...

is it legal to refuse the use of that card assuming ID can't be provided?

I don't see how that is any different than like asking, "Can I see your phone??" or something else unrelated...

 

[manlymatt83]

nope. not legal.

 

[coxmaster]

Well.. its legal for a store to decline your business, without any reason.

Why would it be illegal to refuse a card if they ask for ID and you refuse?

 

[OCGuy]

Yes.

 

[Matthiasa]

Again how wouldn't it be legal?
Whats with the dumb questions lately? (more so then usual)
A lot of places don't accept credit cards as it is, and more then a few that do accept have a policy that cashiers are suppose to check for other ID as it is when using a credit card. (not that many do)

 

[Rage187]

Legal, yes. Against their merchant service agreement, yes.

 

[Syringer]

Assuming the credit card is signed and a MasterCard (or Visa)...

is it legal to refuse the use of that card assuming ID can't be provided?

I don't see how that is any different than like asking, "Can I see your phone??" or something else unrelated...

I don't believe asking someone to just see their phone is illegal either. Maybe asking to see someone's boobs.

 

[Triumph]

I agree, it should be illegal to ask people questions.

 

[IHateMyJob2004]

manlymatt,

Why do you say it is not legal?

 

[saratoga172]

Where I work its company policy to ask for your ID with your CC. If you can't provide it or it doesn't match we aren't allowed to run the card. It's to prevent CC fraud and theft. I don't see why people get in such a tissy when asked. It literally takes an extra 20 seconds to pull it out and have it checked. I for one have no problems with people asking and would prefer everyone asked. That way if my card was ever stolen I know it wouldn't be falsely charged.

I guarantee you if you had your CC stolen and the balance run up you'd be all for ID's being checked.

 

[Pantlegz]

I agree, it should be illegal to ask people questions.

I agree

 

[pcslookout]

Yes and if you have a problem with it your hiding something. So.

 

[Schadenfroh]

The gal I am dating recently switched to BoA and her CC has her photo on it, never seen a photo ID on the CC itself before.

 

[Exterous]

Legal, yes. Against their merchant service agreement, yes.

This - although IIRC if your signature is way off from the one on the back of the card I believe they are allowed to ask for ID then or call it in and ask for a 'Code 10 authorization'

 

[Exterous]

Where I work its company policy to ask for your ID with your CC. If you can't provide it or it doesn't match we aren't allowed to run the card.

If you accept VISA (and I believe all other major Cards) you are violating your merchant agreement with them

 

[Ika]

The gal I am dating recently switched to BoA and her CC has her photo on it, never seen a photo ID on the CC itself before.

Costco lets you put a pic on your AMEX card, saves time with the costco ID. Never seen one with a normal credit card though. Might be a pretty cool feature, actually... god knows no one looks at signatures.

 

[LTC8K6]

The gal I am dating recently switched to BoA and her CC has her photo on it, never seen a photo ID on the CC itself before.

Been around a decade or more.

 

[QueBert]

Where I work its company policy to ask for your ID with your CC. If you can't provide it or it doesn't match we aren't allowed to run the card. It's to prevent CC fraud and theft. I don't see why people get in such a tissy when asked. It literally takes an extra 20 seconds to pull it out and have it checked. I for one have no problems with people asking and would prefer everyone asked. That way if my card was ever stolen I know it wouldn't be falsely charged.

I guarantee you if you had your CC stolen and the balance run up you'd be all for ID's being checked.

Signature on the back is all that's legally required, it's not hard to get a fake ID, but it's very hard to fake a persons signature. Any store that requires me to show my ID and ends up not letting me purchase, I call Visa directly and report them. I would much rather have them match up my signature then ask for an ID. I've worked retail and if a store gets 2-3 of these complaints from customers who were forced to show ID, Visa will get involved, as they should. I'm going to go out on a limb and say Visa knows much more about how to prevent fraud than a person working behind a register. They require a signature on the back over showing ID for a reason.

 

[DrPizza]

Last time I made a cameo appearance at the pizza shop for a few hours, I encountered about 6 people who hadn't signed the backs of their cards. Been there, done that enough times that I know it's just not worth the hassle with indignant idiots. Who's going to use a stolen credit/debit card to purchase $10 of pizza?

 

[LTC8K6]

Signature on the back is all that's legally required, it's not hard to get a fake ID, but it's very hard to fake a persons signature. Any store that requires me to show my ID and ends up not letting me purchase, I call Visa directly and report them. I would much rather have them match up my signature then ask for an ID. I've worked retail and if a store gets 2-3 of these complaints from customers who were forced to show ID, Visa will get involved, as they should. I'm going to go out on a limb and say Visa knows much more about how to prevent fraud than a person working behind a register. They require a signature on the back over showing ID for a reason.

Match up your signature with what? That unreadable electronic copy of it on the receipt?

Nobody matches the signature, they just look to see if there is one on the card.

 

[KK]

Zaxbys in town has a sign up that says that they have to check ids, was thinking of snapping a picture and sending it to mastercard and visa. But I'm just too damn lazy to do it, I just sit there eating my chicken tenders fuming about having to show my id.

 

[eits]

i don't sign the back of my cards... i write "please see id" in sharpie.

maybe twice a year, someone actually reads it and asks for my id...

 

[DrPizza]

Signature on the back is all that's legally required, it's not hard to get a fake ID, but it's very hard to fake a persons signature. Any store that requires me to show my ID and ends up not letting me purchase, I call Visa directly and report them. I would much rather have them match up my signature then ask for an ID. I've worked retail and if a store gets 2-3 of these complaints from customers who were forced to show ID, Visa will get involved, as they should. I'm going to go out on a limb and say Visa knows much more about how to prevent fraud than a person working behind a register. They require a signature on the back over showing ID for a reason.

So, Visa is enabling credit card fraud by preventing stores from taking proactive steps to eliminate it? Visa's reason is to prevent its users from getting their panties in a wad? Just imagine how much theft would be eliminated from a simple "photo-ID required."

 

[eits]

Zaxbys in town has a sign up that says that they have to check ids, was thinking of snapping a picture and sending it to mastercard and visa. But I'm just too damn lazy to do it, I just sit there eating my chicken tenders fuming about having to show my id.

oh man, i love zaxby's....

wtf, i thought you were from baltimore... what're you doing in the south?

 

[moshquerade]

i don't sign the back of my cards... i write "please see id" in sharpie.

maybe twice a year, someone actually reads it and asks for my id...

good practice.

i just don't sign them, and yes, for that it should be standard to ask for another form of ID, but they don't always.