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?
I have a sticker on my MC and Amex that says ask for ID where it says signature.
I would never let them record my DL number, I would pay with Interact instead.
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"The collection of personal information must be limited to examination of identification only and must not involve recording of personal information from the identification offered, including driver’s licence numbers or addresses. Organizations must only compare the name and photo on the identification with the name on the credit card. "
Ive only been asked for ID when paying by credit card at EB games....
which causes a whole new set of problems as the last name on my DL and CC are different...long story short its made for some interesting situations, not only with credit card payments
Once the chip program is fully implemented in NA the need for asking for ID for CC purchases will disappear
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Try contacting the Office of the Information and Privacy Commissioner of Alberta. Mr. Work spoke during one of our classes and it was pretty interesting.
Can a retail business withhold services if a customer chooses not to provide personal information to the retail business?
An organization cannot make an individual's consent to collect, use or disclose personal information a condition of supplying him or her with a product or service, if the organizaiton is asking the individual to consent to something that is beyond what is reasonably needed to supply that product or service (section 7(2)) of PIPA.
For example, a retail store may not refuse to sell an individual a jacket because he refuses to provide his home phone number. That information is not reasonably required for a retail purchase.
However, if that customer wishes to return the jacket for a refund or credit, the retail store may require consent to collect their name and contact information; in case there is a problem with that transaction, or to follow-up on a fraudulent return, etc.
Ive only been asked for ID when paying by credit card at EB games....
which causes a whole new set of problems as the last name on my DL and CC are different...long story short its made for some interesting situations, not only with credit card payments
Once the chip program is fully implemented in NA the need for asking for ID for CC purchases will disappear
I've had a hard time before because my CC has a numbered company on it. For example, I can't order my credit report online because the name on my CC is not the same as the name whose credit I'm ordering.
In stores, I've had people ask for id out of habit as I'm passing them the CC. When they see the name on the cc they usually tell me to forget about the id.
Of course, there was the one, very young girl (~15) working the A&W drivethru that looked at the card and then looked at me in astonishment and said "THAT'S your name?!?"...
I've had a hard time before because my CC has a numbered company on it. For example, I can't order my credit report online because the name on my CC is not the same as the name whose credit I'm ordering.
In stores, I've had people ask for id out of habit as I'm passing them the CC. When they see the name on the cc they usually tell me to forget about the id.
Of course, there was the one, very young girl (~15) working the A&W drivethru that looked at the card and then looked at me in astonishment and said "THAT'S your name?!?"...
Well of course, it's not everyday you see get to see '4x4' on a credit card... she must have been really impressed, or really dissapointed... depending on the dimensions.
I used to work in a liquor store and we required photo ID with all credit card purchases and we would also take down DL numbers for purchases over 500
The main reason (for us at least) is that someone using a stolen credit card was a pretty common thing, I mean alcoholics needs there fix and are going to get it by any means necessary
I know that the policy came from head office
And we could refuse transaction if people didn’t provide photo ID
Don't really have a problem handing over ID to confirm that it is actually my CC, but if anyone was to record my DL number i'd flip. I'm in enough databases as it is.
That being said, when pressed for it, i'm sure most people would just go along with it. I mean, you have to get your fingerprints scanned to get into Disneyland now and I don't think it's effected their bottom line. If there isn't some huge outcry from that, then I would say most people wouldn't care about the recording of DL numbers.
Location: Close enough to make a beer run during a TV timeout
Exp:
Quote:
Originally Posted by The Goon
My Citibank MC has a picture of me on the card directly. Makes things easier. I wonder why more banks haven't provided that option.
Could be that the cost of administering a photo policy might be more expensive than what they lose in fraud each year. You'd need to either set up some place to have pictures taken, or if people had to submit their own what would be the standards? Would people get upset if they rejected their picture?
Location: In a land without pants, or war, or want. But mostly we care about the pants.
Exp:
If you go down to the south-western US you will ALWAYS need to provide a photo id with your CC. As long as they aren't recording the number, I don't have a problem with it - quite the reverse, as it makes it more difficult for casual thieves to use your card if they get it. Organized crime, of course, makes their own version of your credit card, and would have no moral qualms about altering a licence (although that is not easy, depending on where the licence is from) or making one to go with the card as well.
CCs should require a PIN just like Interac, anyway. Plus have your photo on the card - big enough to actually look at, not a postage stamp size one that could be you or alternatively could be 90% of the people of your sex, age, and skin colour.
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I used to work in a liquor store and we required photo ID with all credit card purchases and we would also take down DL numbers for purchases over 500
The main reason (for us at least) is that someone using a stolen credit card was a pretty common thing, I mean alcoholics needs there fix and are going to get it by any means necessary
I know that the policy came from head office
And we could refuse transaction if people didn’t provide photo ID
Taking down driver's license numbers definately could get the company in trouble from the Privacy commissioner, although thinking about it some more, I think Memory Express takes my driver's license number when I buy stuff on account. It does add some level of security. Of course, if that information ever leaked, the company would definately be in a lot of trouble.
Something like a driver's license number would have to secured into the database so that after it was entered, it could only be read if the authenticity of the card was in question, and then only by the specific person who could check it.
Could be that the cost of administering a photo policy might be more expensive than what they lose in fraud each year. You'd need to either set up some place to have pictures taken, or if people had to submit their own what would be the standards? Would people get upset if they rejected their picture?
That would severely piss me off. Of course, my dl photo has never been rejected and it is the worst picture ever. Well, I bet that 75% of the board figures that theirs is.
Quote:
Originally Posted by Muta
Well of course, it's not everyday you see get to see '4x4' on a credit card... she must have been really impressed, or really dissapointed... depending on the dimensions.
Maybe she was confused because I was driving my ex's car...
Could be that the cost of administering a photo policy might be more expensive than what they lose in fraud each year. You'd need to either set up some place to have pictures taken, or if people had to submit their own what would be the standards? Would people get upset if they rejected their picture?
It was a few years ago, so I don't recall exactly what the standards were, but I had the photo taken by a passport place. The only downside is that I had big poofy hair at the time, so it's not the greatest photo to be showing people regularly.
Stores asking for photo id for credit card transactions
