Life lesson - In case you're not aware
I'll relate my recent experience for those of you that are unaware of some "new" policy with credit cards. We made a recent trip from our home in the Dallas area to Carlsbad N.M. These transaction...
Forum Discussion
FormerBoater wrote:Kiwi_too wrote:FormerBoater wrote:Kiwi_too wrote:
A store requiring valid ID to verify the authorized user of a CC is a violation of my privacy?? I throw the red flag on this.
It is against both Visa and MC rules unless requested by the Cardholder. To effect this the Cardholder simply writes on the signature panel to check the identification of the user.
If a merchant requests a valid ID to honor the card as a method of payment, the Cardholder has the right to complain to Visa or MC.
Visa or MC will contact the merchant's Acquirer with the complaint. The Acquirer must investigate and notify the merchant that this is in violation of Visa or MC rules (which the merchant is contractually bound to obey).
If the merchant does not cease and decest, card acceptance privileges can be revoked by either V or MC.
The issue was not policy but the statement that is was a violation of privacy. I am a firm believer that every credit card presented needs to be accompanied by a pic ID. That is my policy. I do not believe it violates anyone's privacy, as you have already stated an ID as it is on a CC. You now simply present a valid Pic ID as proof that you are the card owner or the person authorized to use it.
Your option as per the V and MC rules, you simply write on the signature panel, request I.D.
However, you are certainly not required to do this per the Rules and Regualations of both V and MC.
Good news is that you can opt to do this, but it is entirely up to you.
It may be your policy, but it is not the policy of either Visa or MasterCard.
I will say it again. This is not a comment on V or MC policy. It is a comment on privacy. Privacy is not compromised by asking or demanding pic ID.
