My fiancée and I talked about the fact that we can probably use each other’s credit cards to purchase things without getting caught. We realized that more times than not, we aren’t asked to show our IDs when we use our credit cards. We decided to brainstorm where we have bought something using our credit cards without showing our ID and came up with this list.
- Anything online
- Groceries via self checkout
- Gas stations
- Drug store
- Convenient stores
- Tons of entertainment venues
* note that this list is based on my experience in the United States.
We concluded that we can live our lives with someone else’s credit card without ever showing our ID. Even without all the online stuff because we can virtually get anything over the internet nowadays, we can still get food, gas, coffee, and have fun with someone else’s credit card without fear. Now that I think about it, I can even get a 0% balance transfer credit card without ever showing my ID in the States!
Now, what about the places that asks you for ID?
- Larger department stores
- Groceries at the cashier
- Beer stores
- Bar (if you dare use a credit card)
Obviously there are some places that asks us for our IDs when we use our credit cards. Some of these places (like the bar) actually ask because they need to ID regardless but that’s not the point. I don’t understand why some stores check our IDs and some don’t. I can understand not asking if the amount is small, but what about places where the transaction is high?
Something else that is interesting is how each country handles credit card verification. I was born in Hong Kong, and people there always check the signature on the back of our cards against the one on the receipt. Everyone can argue that the signature can be forged, but it is at least better than not checking anything at all.
UK is taking a dramatic approach to this. They have gone to something called “chip and pin” where each credit card requires a pin similar to what we required for debit cards in the US. My friend actually went to UK recently and they won’t allow him to rent a car with his credit card because his credit card did not support the chip and pin technology. A nationwide change to combat this might be a little extreme but at least the country is telling their citizens that they will put in the effort to stop croaks.
How do you feel about this whole subject? Have you actually caught someone using someone else’s credit card? Have you accidentally used a card that’s not yours? Share with us your thoughts.