Strangely enough my wife's authorized user card hadn't arrived so we decided to see what happened if she went to Chicago with my card instead. (She had her own different one as a backup)
Over a period of 5 days only two vendors had an issue with it even though I had not signed the back and it is very clearly not a woman's name on the card. The hotel questioned it (which was solved by a call to the bank) as did Marshalls. No other place even flinched taking the card or asked to see ID to see if the last names were at least the same. She even asked one place if it was ok and the clerk told her "As long as it goes through it doesn't matter to me."
We were both a bit shocked to see how few vendors were paying attention or even really cared
John Handoncock?I always sign my CC invoices with: Thomas Jefferson or George Washington.
I keep seeing "it is more secure!" But really, is it? It has never been qualified, just sputtered at me "but it is!"
It's pretty funny that you complain about them not reading the back, yet you haven't read the back either, because it says the card isn't valid without your signature. "See ID" is NOT a signature. For most merchants, it's easier not to bother pointing this out to customers or asking for ID.On both of my CC's I have "SEE I.D." written in the box on the back. The only place that has ever even noticed it was Advance Auto Parts. And I won't say it was store policy because I mentioned I was surprised he actually checked it to which he responded he was a victim of some CC fraud and checks that for all customers. Luckily my ID matched....
Except n7 said something about tap/paypass up to $xx so at least up to a certain point it doesn't matter anyway. And it sounds like the PIN isn't even used half the time (perhaps I'm wrong there).
Buy online and you don't have any of those security features, though I guess you need to know the billing address in theory.
If I lost my wallet I call my CC company(-ies) and tell them I lost it.
I'm not responsible for any charges.
I suppose if the PIN was actually required every time then it may save them a lot of headache dealing with fraudulent charges. But a PIN is nothing new, they could have done that years ago with a swipe system too (like with debit cards). I always wondered why they never had PIN numbers for credit cards, only debit. And even then, if you swiped your debit as credit you didn't need the PIN anyway.
So many inconsistencies or bizarre practices anymore I kinda stopped caring what they decide to do with it. As long as I can pay for the stuff I'm buying I don't really care whether I swipe, wave, poke, or prod.
By law you can't ask for ID? That doesn't sound right. It's usually the merchant agreement that forbids asking for ID when using a credit card.We have the terminal BoA and a lot of banks in the US put in stores. There's no pin option, dunno if they're going to release a firmware update to fix this. But as it stands you shove the card in and that's all. Since by law I can't ask for ID, I have no idea if it's the persons card or not. In it's current state it's stupid, I know not all retailers use the FD100 terminals, but many do. I dunno how other machines work.
Technically, your card is not valid if you don't sign it.I don't sing the back of my debt card and PayPal card. I write Check For ID. Well, some moronic people don't like it including the USPS. Well, how exactly is a sig better against checking for my ID again?
We have the terminal BoA and a lot of banks in the US put in stores.
There's no pin option, dunno if they're going to release a firmware update to fix this. But as it stands you shove the card in and that's all.
Since by law I can't ask for ID, I have no idea if it's the persons card or not.
I dunno how other machines work.
Technically, your card is not valid if you don't sign it.
On both of my CC's I have "SEE I.D." written in the box on the back. The only place that has ever even noticed it was Advance Auto Parts. And I won't say it was store policy because I mentioned I was surprised he actually checked it to which he responded he was a victim of some CC fraud and checks that for all customers. Luckily my ID matched....
maybe they have been installing chip readers around here, but can't say I've ever noticed one, which would go hand in hand with just now getting my first chip card in the mail.
Technically, your card is not valid if you don't sign it.
Let me tell you the most retarded story about the "See ID" bit on the back of the credit card.
Like a lot of people, I put "See ID" on the back of all my cards. I never had any problems with any purchases anywhere, except for one place. Now, before I go on, I'll have to give you some background about the people of this one country, let's call it Ingaporesay. In Ingaporesay, a lot of the workers are very robotic and wooden, some may say they're mildly retarded in some way. They're the strictly by-the-book kind of people, if you will, some will forsake commonsense because it's not by the book.
Anyways, so I was at a department store buying some stuff, and mind you, this is on the most touristy of all touristy places in Ingaporesay, and when I went to pay, the clerk at the counter says that my signature does not match with my credit card. I told her to look at the card and asked her to read what it says, she said "See ID", to which then I produced my Passport, which has the exact signature on the receipt and of course, my name. She insisted that the signature on the receipt does not match what's on the card. So she called the manager over.
I thought the manager, having managed a busy store in the most touristy department store on the busiest shopping district in Ingaporesay, would have some common sense. No. I was wrong. So I went through the same explanation process with the manager, and it was the same. Signature does not match. At this point, I was so tempted to sign "See ID" on my receipt, but I didn't want to be caned so I just left the pile of stuff on their counter and walked across the street to the other store.
What a bunch of idiots.
That's exactly what would have happened over here before we had chip and pin if someone was stupid enough to put something on the card where you are supposed to sign it and then put something different on a receipt where you are supposed to have a matching signature.
Read up a few posts about the bit with forging the signature.
And yeah, you're pretty retarded if you can't make the connection between the name on the card, to the name on my Passport, and the signature on my Passport matching the signature on the receipt.
Good thing nobody that I interacted with in the UK have the same retarded thought process you do.
Chip & pin is faster, but it requires card holders to think. It requires them to remember a PIN. Credit cards are designed to have as little friction as possible so that card holders don't hesitate to spend, and they don't hesitate to use the card over cash.Chip and pin is much faster than having to print an extra receipt and get the customer to sign.
It requires them to remember a PIN.