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#56666 - 01/27/03 12:03 PM
Re: MISC: Check refusal in favor of plastic or cash
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10K Club
Joined: Sep 2002
Posts: 13,965
TN
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I have been asked locally a few times to present my ID. I also remember being asked in Orlando, FL and Gatlinburg, TN. I think the high tourist towns may be a little more wary also and I applaud them when they do ask for my ID.
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#56667 - 01/27/03 01:27 PM
Re: MISC: Check refusal in favor of plastic or cash
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Power Poster
Joined: Jul 2002
Posts: 6,726
the sandy shore
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I just went to a seminar on the Patriot Act and Identity Theft, and the speaker (from the DA's office) said that it was a part of the Patriot Act that parties accepting credit cards would be required to ask for photo ID going forward. I will say at the outlet mall this weekend, virtually every merchant asked for it, and they were matching name, not signature (I never sign my cards, but they didn't even look at the back of the card to see that.)
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I disbelieved what he was saying so hard, I probably created an alternate universe where it wasn't true.
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#56668 - 01/27/03 02:05 PM
Re: MISC: Check refusal in favor of plastic or cash
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Diamond Poster
Joined: Oct 2001
Posts: 1,570
Wisteria Lane..
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I was at the same meeting on Wednesday. Until then, I didn't realize that the definition of financial institutions (for the Patriot Act) included the retailers who accept credit cards.
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#56669 - 01/27/03 02:48 PM
Re: MISC: Check refusal in favor of plastic or cash
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Power Poster
Joined: Jul 2002
Posts: 6,726
the sandy shore
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(Next meeting, we will have to sit together!)
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I disbelieved what he was saying so hard, I probably created an alternate universe where it wasn't true.
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#56670 - 01/27/03 04:26 PM
Re: MISC: Check refusal in favor of plastic or cash
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Platinum Poster
Joined: Oct 2000
Posts: 686
Wherever my most benevolent em...
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I am one of those that instead of signing the card, has written on the back to "Ask to See ID". I probably get asked for my ID 1 out of every 10 times. I always congratulate the ones that ask to see it. I've also had people look at my card, at what I've signed, shake their head OK and hand me back my card, as if what I signed matched my card.
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David J Mulkerin, CRCM All opinions expressed are mine and not those of my employer and are not to be taken as legal advice.
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#56671 - 01/27/03 04:41 PM
Re: MISC: Check refusal in favor of plastic or cas
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10K Club
Joined: Aug 2001
Posts: 21,939
Next to Harvey
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My card also says "See ID" on the back. My statistics match David's, one clerk in ten notices. Ironically, the action primarily protects the merchant, not me.
P.S. Not so certain the DA's opinion on PATRIOT requirements is supportable. There are a lot of entities that meet the definition of a financial instiution, but ID requirements are triggered by "any person seeking to open an account" not using a credit card.
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In this world you must be oh so smart or oh so pleasant. Well, for years I was smart. I recommend pleasant.
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#56672 - 01/27/03 05:22 PM
Re: MISC: Check refusal in favor of plastic or cash
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10K Club
Joined: Sep 2002
Posts: 13,965
TN
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In a Visa training class I recently attended I learned that if someone puts 'See ID' on the back of their card that that becomes the valid signature. Visa rules do not allow this.
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#56674 - 01/27/03 05:56 PM
Re: MISC: Check refusal in favor of plastic or cas
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10K Club
Joined: Aug 2001
Posts: 21,939
Next to Harvey
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Thank you Dawn, I have been told the same thing, but obviously do not follow instructions well.
Can you, or anyone else, give me an idea as to where this language is located or exactly how its worded? (Not that I'm going to change my my actions mind you, it's just that I thought it was an old wive's tail and dismissed it.) In any case, my only credit card is an AmEx and, believe me, no one honoring AmEx has ever refused to accept it.
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In this world you must be oh so smart or oh so pleasant. Well, for years I was smart. I recommend pleasant.
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#56675 - 01/27/03 05:58 PM
Re: MISC: Check refusal in favor of plastic or cas
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10K Club
Joined: Sep 2002
Posts: 13,965
TN
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It's included in our Visa rules but unfortunately I don't have a copy of it.
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#56676 - 01/27/03 06:02 PM
Re: MISC: Check refusal in favor of plastic or cash
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Anonymous
Unregistered
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The official VISA policy is that when a customer has "Ask to see ID" written on their card, you're supposed to ask them to sign the card, and then compare the signature on the card to the signature on the receipt. According to VISA you're STILL not supposed to ask for their ID, even when they have this verbage on their card. This has to be the silliest thing I've ever seen, but I saw it right on VISA's website.
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#56677 - 01/27/03 06:03 PM
Re: MISC: Check refusal in favor of plastic or cas
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Gold Star
Joined: Feb 2002
Posts: 324
A Designated Tree City in OK, ...
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I did the same thing on my new debit card I received in November, and have yet to have someone request to see my ID. They usually don't even look at the card, especially when you run it through a self-swipe machine. . .
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#56678 - 01/27/03 06:12 PM
Re: MISC: Check refusal in favor of plastic or cash
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Gold Star
Joined: Oct 2002
Posts: 422
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***RANT WARNING***
I have to agree Anon, this IS the stupidest thing I've ever heard. How does that prove the person is the rightful owner of the card. All it proves is the person can sign the same name twice. ***END RANT***
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Michelle M
Opinions do not necessarily reflect those of my employer nor are they legal advice
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#56679 - 01/27/03 06:20 PM
Re: MISC: Check refusal in favor of plastic or cash
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10K Club
Joined: Aug 2002
Posts: 47,517
Bloomington, IN
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Rhetorical question: If you do not deal with MC/VISA processes within the bank, how many people actually know, or care for that matter, if a merchant can ask for your ID or not when you present a Credit/Debit Card for payment? (The only people that knows, and probably would contest it would be the thieves.)
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The opinions expressed are mine and they are not to be taken as legal advice.
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#56680 - 01/27/03 07:33 PM
Re: MISC: Check refusal in favor of plastic or cash
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Power Poster
Joined: Aug 2002
Posts: 7,353
Anchorage Alaska
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I managed a medical clinic for 8 years prior to becoming a chef then a banker (Yes folks I've done it all!) I don't think I can count the number of bad checks we received back on one hand for the entire time. Regular patients (especially elderly patients) prefered to pay via check and if there was ever an error, it was cleared immediately. I think we had one check outstanding for the last couple of years I managed the place.
Doctors now a'days shouldn't be any different unless they're in a major practice with numerous walk-ins. I'd pay the danged bill with check and see if they cash it! I bet you $20 bucks they do! (I'm trying to make up for my superbowl losses). I normally pay via check at the doctors because it's a good reminder for me to do my insurance billing, verses forgetting the whole thing when I do a debit. I haven't been refused yet. Payment beats non-payment any time.
On the ID...I've recently changed my name and have debit cards in one name and ID in another. NO ONE I mean NO ONE ever notices! The names aren't even similar. I've had folks ask for ID, look at the two different names...and not say a word. I just want to ask...Why bother?
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Dawn Coursey VP/CRA Queen
CRA Rating is in...Oh who cares...I'm home with the baby.
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#56681 - 01/27/03 07:54 PM
Re: MISC: Check refusal in favor of plastic or cas
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Diamond Poster
Joined: Apr 2001
Posts: 2,245
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In reply to:
I thought it was an old wive's tail
Ken, I think the expression is "old wives tale", but thanks for the chuckle!
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#56682 - 01/27/03 08:25 PM
Re: MISC: Check refusal in favor of plastic or cas
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10K Club
Joined: Aug 2001
Posts: 21,939
Next to Harvey
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Thank you for assuming I did that accidentally!
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In this world you must be oh so smart or oh so pleasant. Well, for years I was smart. I recommend pleasant.
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#56683 - 01/27/03 08:53 PM
Re: MISC: Check refusal in favor of plastic or cas
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Power Poster
Joined: Mar 2001
Posts: 5,063
Pennsylvania
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While I agree that I would rather show my ID when using my card than have someone make unauthorized charges to my account, I can see why Visa would have a major problem with merchants asking for ID on a regular basis. They run a multi-million dollar ad campaign based on not asking for ID when people use their checkcards. I wonder if Charlie Sheen, Kevin Bacon, or Bugs Bunny would be upset if there were unauthorized charges to their Visa Checkcard!
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Knowledge is knowing what to say. Wisdom is knowing when to say it.
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#56684 - 01/27/03 09:02 PM
Re: MISC: Check refusal in favor of plastic or cas
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Junior Member
Joined: Jan 2003
Posts: 29
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I've always wondered what would happen if you wrote "this card is stolen" on the back. How would the cashier react? With my luck, they'd call the police and I'd have... in the words of Ricky Ricardo... "a lot of splainin to do"!
I've written "see photo ID" before, with at best 1 cashier actually noticing.
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#56685 - 01/27/03 09:08 PM
Re: MISC: Check refusal in favor of plastic or cas
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Platinum Poster
Joined: Jan 2003
Posts: 921
Down South, USA
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In the days before on-line credit card machines, in the UK both VISA and MC used to issue stolen/withdrawn cards lists to stores, and as there was a GBP50 (USD80) bounty payable for cards recovered, it was common to see clerks checking your credit card against the latest list.
Someone with my name had their card stolen once and it was quite a sight to see the store clerk peer at my card, then the stolen cards list, then my card again, then the list again - I could already see the GBP50 in their eyes!
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This is my opinion; it is not legal advice, nor the view of my employer, and it may change tomorrow.
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