Calgarypuck Forums - The Unofficial Calgary Flames Fan Community - View Single Post - Stores asking for photo id for credit card transactions

urban1 · 12-19-2007, 09:20 AM

Im sure many of you have noticed that more and more merchants are asking to see photo id before completing a transaction involving credit cards.

I can understand the desire to prevent credit card fraud, however, Im somewhat uncomfortable with this practise.

Many merchants themselves are the point where the system gets compromised and debit cards or credit cards get skimmed (or credit card receipts get stolen or copied). Now the merchant is asking to see photo id and many are going as far as recording this information. Ive seen many customers hand over their drivers license without a problem and allow the cashier to record the drivers license number. If there are criminals involved, they now have your credit card information and your drivers license information. A great combo for identity theft.

I dont what this to be a discussion about the dynamics and process of identity theft.

Does anyone else feel uncomfortable handing over their photo ID and having the info recorded?

A few questions I have that I havent been able to get answers to:

-Is this usually store policy set by a manager or is this corporate policy coming down from head office?

-Does a merchants agreement with the credit card company allow them to ask for additional ID and refuse transactions for lack of it? Nowhere in any of my agreements with the credit card company does I may be ask by merchants to show ID and can be refused transactions for not showing ID.

-Why are the retailers so worried about fraud? I would assume it would be the credit card company who would be more worried. If someone uses a cloned or stolen credit card to purchase items or gift cards at a store, then the card is reported stolen or cloned, who eats that loss? Does the retailer get stuck with it? I always assumed it was the credit card company.

Ive contacted several retailers where Ive seen this happen and have gotten no response to date. I have also contacted my credit card companies but no luck dealing with the front line call centre people so Im waiting for a call back from them as well.

Any merchants on here who know what the rules are?

12-19-2007, 09:20 AM	#1
urban1 Scoring Winger Join Date: Apr 2007 Exp:	Stores asking for photo id for credit card transactions Im sure many of you have noticed that more and more merchants are asking to see photo id before completing a transaction involving credit cards. I can understand the desire to prevent credit card fraud, however, Im somewhat uncomfortable with this practise. Many merchants themselves are the point where the system gets compromised and debit cards or credit cards get skimmed (or credit card receipts get stolen or copied). Now the merchant is asking to see photo id and many are going as far as recording this information. Ive seen many customers hand over their drivers license without a problem and allow the cashier to record the drivers license number. If there are criminals involved, they now have your credit card information and your drivers license information. A great combo for identity theft. I dont what this to be a discussion about the dynamics and process of identity theft. Does anyone else feel uncomfortable handing over their photo ID and having the info recorded? A few questions I have that I havent been able to get answers to: -Is this usually store policy set by a manager or is this corporate policy coming down from head office? -Does a merchants agreement with the credit card company allow them to ask for additional ID and refuse transactions for lack of it? Nowhere in any of my agreements with the credit card company does I may be ask by merchants to show ID and can be refused transactions for not showing ID. -Why are the retailers so worried about fraud? I would assume it would be the credit card company who would be more worried. If someone uses a cloned or stolen credit card to purchase items or gift cards at a store, then the card is reported stolen or cloned, who eats that loss? Does the retailer get stuck with it? I always assumed it was the credit card company. Ive contacted several retailers where Ive seen this happen and have gotten no response to date. I have also contacted my credit card companies but no luck dealing with the front line call centre people so Im waiting for a call back from them as well. Any merchants on here who know what the rules are?