How Often Are ID's Checked for a Credit Card Purchase
Author: newyearsday1985
Posted: Fri Nov 04, 2005 4:00 am
Post subject: IDs seldom checked, even kids
When I charge something on my credit card, less than 50% of the time do they ask for an ID.
My 14 year old sister is an authorized user of some of my credit cards since she was 13. She seldom gets asked for an ID too. I guess it's common for 13 or 14 year old kids to be charging purchases on credit cards? Most don't even look twice or wonder why a kid owns a credit card.
Does anyone else have a kid or younger sibling under 15 using credit cards? Do salespeople ever wonder how come your kids are using credit cards?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: mouse
Posted: Fri Nov 04, 2005 8:29 am
Post subject: Re: IDs seldom checked, even kids
newyearsday1985 wrote:
When I charge something on my credit card, less than 50% of the time do they ask for an ID.
My 14 year old sister is an authorized user of some of my credit cards since she was 13. She seldom gets asked for an ID too. I guess it's common for 13 or 14 year old kids to be charging purchases on credit cards? Most don't even look twice or wonder why a kid owns a credit card.
Does anyone else have a kid or younger sibling under 15 using credit cards? Do salespeople ever wonder how come your kids are using credit cards?
Asking for ID on a signed card is a VIOLATION of credit card policy and also violates state law in many states...BUT if you don't think the person that is using the card is not the cardholder you "CAN" ask for ID (as in a 14 year old)
(GREY AREA)
A 14 or 15 YEAR OLD "COULD" HAVE AN "AU" CARD
CAN'T DO PROFILING THOUGH...
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: Polonius
Posted: Fri Nov 04, 2005 10:01 am
Post subject: How Often Are ID's Checked for a Credit Card Purchase
Quote:
Asking for ID on a signed card is a VIOLATION of credit card policy and also violates state law in many states
Can you give a source for that? According to
http://www.dca.ca.gov/legal/p-2.html
Quote:
A seller who accepts payment by credit card for goods or services can do any of the following:
* Require the cardholder, as a condition of accepting the credit card, to provide "reasonable forms of positive identification." This includes a drivers license or a California identification card, or where neither of these is available, another form of photo identification. However, none of the information from such identification can be recorded on the credit card slip or anywhere else.
-Exception: If the cardholder pays for the transaction with a credit card number and does not make the credit card available upon request to verify the number, the seller can record the cardholder's drivers license or identification card number on the credit card slip or otherwise.
* Imprint or otherwise record the information that appears on the credit card, such as the cardholders' name and the number and expiration date of the card.
4. Special Situations. The law recognizes that exceptions to the foregoing rules are necessary in limited situations:
* Deposit: A seller may require and record personal identification information when the credit card is used as a deposit to secure payment in the event of default, loss, damage, or other similar occurrence.
* Cash Advance: A person or business may require and record personal identification information, including the cardholder's address and telephone number, when a credit card is used to obtain a cash advance.
* Contractual Obligation: A seller may record personal identification information which the seller is contractually obligated by the card issuer to provide in order to complete the credit card transaction, or which the seller is required by federal law or regulation to collect and record.
* Service, Delivery, etc.: A seller may record personal identification information required for a special purpose incidental but related to the individual credit card transaction, such as information relating to shipping, delivery, servicing or installation of the purchased merchandise, or information that is needed to fill a special order.
That's the law in California. Might be different in other states.
Author: lynknparke
Posted: Fri Nov 04, 2005 11:36 am
Post subject:
I had a credit card for 200 dollars from i believe capital one when i was around 16 years old. Well, i didnt know anything back then and ended up maxing the card out...
The thing is...the credit card company isn't supposed to issue cards to people 18 or under ( I lied on my application ) so i didnt have to pay anything back, and it wasn't on my credit reports because they don't begin collecting information until your 18.
So, thats my little story. Just thought I'd share what happened with me.
Author: beyond platinum
Posted: Mon Nov 07, 2005 1:23 am
Post subject: How Often Are ID's Checked for a Credit Card Purchase
Quote:
Asking for ID on a signed card is a VIOLATION of credit card policy and also violates state law in many states..
NOT Really! Asking for I.D. on a signed card only violates the agreement between Amex/Visa/MasterCard/Discover and the merchant. "Credit card policy" is between the cardholder and the issuer of the card. It is NOT against the law to verify the identification of the cardholder; HOWEVER, it is illegal in most states to record that identifying information, but there are exceptions to this. In any case the merchant should only be checking the signature unless the cardholder writes "see ID" on the back.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Posted: Fri Nov 04, 2005 4:00 am
Post subject: IDs seldom checked, even kids
When I charge something on my credit card, less than 50% of the time do they ask for an ID.
My 14 year old sister is an authorized user of some of my credit cards since she was 13. She seldom gets asked for an ID too. I guess it's common for 13 or 14 year old kids to be charging purchases on credit cards? Most don't even look twice or wonder why a kid owns a credit card.
Does anyone else have a kid or younger sibling under 15 using credit cards? Do salespeople ever wonder how come your kids are using credit cards?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: mouse
Posted: Fri Nov 04, 2005 8:29 am
Post subject: Re: IDs seldom checked, even kids
newyearsday1985 wrote:
When I charge something on my credit card, less than 50% of the time do they ask for an ID.
My 14 year old sister is an authorized user of some of my credit cards since she was 13. She seldom gets asked for an ID too. I guess it's common for 13 or 14 year old kids to be charging purchases on credit cards? Most don't even look twice or wonder why a kid owns a credit card.
Does anyone else have a kid or younger sibling under 15 using credit cards? Do salespeople ever wonder how come your kids are using credit cards?
Asking for ID on a signed card is a VIOLATION of credit card policy and also violates state law in many states...BUT if you don't think the person that is using the card is not the cardholder you "CAN" ask for ID (as in a 14 year old)
(GREY AREA)
A 14 or 15 YEAR OLD "COULD" HAVE AN "AU" CARD
CAN'T DO PROFILING THOUGH...
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: Polonius
Posted: Fri Nov 04, 2005 10:01 am
Post subject: How Often Are ID's Checked for a Credit Card Purchase
Quote:
Asking for ID on a signed card is a VIOLATION of credit card policy and also violates state law in many states
Can you give a source for that? According to
http://www.dca.ca.gov/legal/p-2.html
Quote:
A seller who accepts payment by credit card for goods or services can do any of the following:
* Require the cardholder, as a condition of accepting the credit card, to provide "reasonable forms of positive identification." This includes a drivers license or a California identification card, or where neither of these is available, another form of photo identification. However, none of the information from such identification can be recorded on the credit card slip or anywhere else.
-Exception: If the cardholder pays for the transaction with a credit card number and does not make the credit card available upon request to verify the number, the seller can record the cardholder's drivers license or identification card number on the credit card slip or otherwise.
* Imprint or otherwise record the information that appears on the credit card, such as the cardholders' name and the number and expiration date of the card.
4. Special Situations. The law recognizes that exceptions to the foregoing rules are necessary in limited situations:
* Deposit: A seller may require and record personal identification information when the credit card is used as a deposit to secure payment in the event of default, loss, damage, or other similar occurrence.
* Cash Advance: A person or business may require and record personal identification information, including the cardholder's address and telephone number, when a credit card is used to obtain a cash advance.
* Contractual Obligation: A seller may record personal identification information which the seller is contractually obligated by the card issuer to provide in order to complete the credit card transaction, or which the seller is required by federal law or regulation to collect and record.
* Service, Delivery, etc.: A seller may record personal identification information required for a special purpose incidental but related to the individual credit card transaction, such as information relating to shipping, delivery, servicing or installation of the purchased merchandise, or information that is needed to fill a special order.
That's the law in California. Might be different in other states.
Author: lynknparke
Posted: Fri Nov 04, 2005 11:36 am
Post subject:
I had a credit card for 200 dollars from i believe capital one when i was around 16 years old. Well, i didnt know anything back then and ended up maxing the card out...
The thing is...the credit card company isn't supposed to issue cards to people 18 or under ( I lied on my application ) so i didnt have to pay anything back, and it wasn't on my credit reports because they don't begin collecting information until your 18.
So, thats my little story. Just thought I'd share what happened with me.
Author: beyond platinum
Posted: Mon Nov 07, 2005 1:23 am
Post subject: How Often Are ID's Checked for a Credit Card Purchase
Quote:
Asking for ID on a signed card is a VIOLATION of credit card policy and also violates state law in many states..
NOT Really! Asking for I.D. on a signed card only violates the agreement between Amex/Visa/MasterCard/Discover and the merchant. "Credit card policy" is between the cardholder and the issuer of the card. It is NOT against the law to verify the identification of the cardholder; HOWEVER, it is illegal in most states to record that identifying information, but there are exceptions to this. In any case the merchant should only be checking the signature unless the cardholder writes "see ID" on the back.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 2:14 PM
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