Credit cards and Debit cards question

[Dareoon Dalandrove]

Well I'm back on the boards after a forced reloaction, home invasions are such a hassel. Anyway I recently, today, went to a boston gaming store and tried to buy the latest dragon mag only to have my purchase denied. Now I truely understand the cashiers POV. I didn't sign my debit card, and really don't want to. I suppose i'm a jerk, but I want people to check to see if the person standing in front of the register is the person who's card it is. The cashier asked for my id and I had it ready. She refused the sale when I wouldn't sign my card though. She was doing what I wanted, checking my id, but when I said that I wouldn't sign it she refused me my purchase. So i wanted to know what majority of you opt not to sign your cards, yes I know what it says on the back, and if you have had a similair experience.

 

[Airwolf]

I sign my credit cards, all one of them.

I don't know if my debit card is signed. I only use it to get cash from ATMs. I loathe having to use my debit card to purchase anything. Also, I am too worried about someone gaining direct access to my bank account.

Many years ago I worked at an appliance store, we required that any credit (or debit) card purchases be accompanied by ID and be signed. The reason we did it was to cut down on people using stolen cards to buy large ticket items. If a customer didn’t show ID or didn’t sign his/her card, we didn’t sell.

 

[FluidDragon]

Well first off all if you had your id and everything matched then she was wrong. You don't HAVE to sign the card. What I do is write CHECK ID in the signature field of the card. If you leave the card blank then anybody who found/stole the card could sign your name and the signature would match when they went to use it.

I would have asked to speak to a manager. The cashier in my opinion oversteped her bounds. If I was her manager in the given situation I would have repremanded her for not taking the sale, AFTER verifying that your ID and card were under the same name. I do have retail management experience.

Heck most people look at the back of my card where it says in bold marker CHECK ID, and hand it back to me, they don't even bother to check the id. 1 out of 10 checks the id, but 7 out of ten will glance at the back of the card like they were checking the signature but obviously don't even read it.

She gave you poor customer service, even though her intentions were good. Makes me think of a 4 letter word that starts with A and ends with L

-FD

 

[shoplifter]

Well first off all if you had your id and everything matched then she was wrong. You don't HAVE to sign the card. What I do is write CHECK ID in the signature field of the card. If you leave the card blank then anybody who found/stole the card could sign your name and the signature would match when they went to use it.

This is what I do as well. The only place that gives me any trouble with it is the USPS.

 

[JDragon]

I also have Check ID on back, or did untill it got warn away.

My wife had an experience like yours but the clerk told her to sign the card and then they would take it, so she signed it right in front of them and finished her purchase. At least in your case it someone wouldn't have been able to make a fraudullent purchase on the card.

JDragon

 

[Shadowdancer]

I don't sign my credit cards. The only place that even checks them, and asks to see an ID, is this one gaming store I go to when I'm in Austin. Other than that, no one ever checks or says anything about it.

 

[Majin Cthulhu]

I'll just put another vote in here for writing " Check I.D." on the back of my cards. Oddly enough, the only people that ever do are game store clerks.

 

[2d6]

snip......

Heck most people look at the back of my card where it says in bold marker CHECK ID, and hand it back to me, they don't even bother to check the id. 1 out of 10 checks the id, but 7 out of ten will glance at the back of the card like they were checking the signature but obviously don't even read it.

-FD

Thank You Mr. Id, have a nice day



I used to put check ID on my cards, Then I just signed them, then I cut them up.

It's best to know your CC company's policies and check your balance often, your limit of liability on a credit card is usually $50.

Debit cards are different and typically much more stringent. i.e. $50 if notified within 2 days, otherwise $500 comes to mind.

 

[shoplifter]

Oddly enough, the only people that ever do are game store clerks.

This is actually true.

 

[Cedric]

You don't HAVE to sign the card.

Tell that to the U.S. Postal Service...they often refuse charges from unsigned cards. The truth is, they are under no obligation to accept a charge from unsigned cards, no matter what forms of ID you have available.