Comments on: I Could Use Someone Else’s Credit Card to Buy My Groceries

By: James

James — Fri, 12 Feb 2010 18:27:58 +0000

EVERTIME i have used my cc at walmart i have been asked for id. Walgreens does NOT ask for id or to sign receipt unless the purchase is $30.00 or more.

By: Faith

Faith — Sat, 19 Dec 2009 23:11:54 +0000

Some ahole just used my Discover card number twice on 12/14 (in the same day) at Winn Dixie in Miami. Charged around $400, took 2 $100 advances plus about $200 in groceries. The thing is, I still have the card! That means they must have copied the number when I made a charge somewhere (we were in Orlando from Dec 1-16) and Winn Dixie allowed them to use the number without having the actual card. This should NOT be allowed! While I don’t have to pay the charges, it’s still an inconvenience since I lose the use of Discover for 2 weeks until I get a new card plus I have to notify a couple of vendors of the new number.

By: David

David — Mon, 07 Dec 2009 04:34:35 +0000

It should be pointed out that writing “See ID” on the back of your credit card is not only ineffective (you’ll almost never be asked for it), it also violates your agreement with the credit card issuer.

When you sign the back of your card you’re signing for two reasons. One, you’re signing so that a vigilant merchant could compare the signature — but that’s only of small concern. The much bigger issue is that by signing the card you’re agreeing to the terms of the customer agreement sent by your credit card issuer. People suggesting you write “See ID” are actually suggesting that you violate your card agreement, and the merchant is usually obligated to confiscate your card on presentation. A traveling companion of mine had this happen when she went to purchase a ticket at an airline counter. It was a big pain, because that was her only credit card.

Merchants ARE NOT ALLOWED by either VISA or MasterCard to ask for identification — in fact, MasterCard has a site where you can report such a violation by a merchant (http://www.mastercard.com/us/personal/en/contactus/merchantviolations.html).

Instead, if a merchant suspects a fraudulent transaction, they are supposed to call a hotline for specific approval (instead of the general approval given by the terminal). If approval is given at this stage by the card issuer, the merchant will not be held liable even if the transaction is fraudulent. To approve the transaction the issuer might either review the cardholders purchase record (is it in line with past purchases, sizes, geography, etc.) and sometimes attempt to call the cardholder at home or on their cell (I have had this happen in the Apple Store when buying a computer). More frequently, however, the issuer will merely ask to speak to the customer and verify a few additional security details before approving the transaction.

By: NFA1

NFA1 — Tue, 20 Oct 2009 13:12:44 +0000

BAHAHAHaa
I found a CC left behind in an ATM and I bought a set of nice white cotton sheets and then I told my mental health doctor and he made me cut the card up right there and then in the consulting room.
I’ve also bought things legitimately with other people’s cards and signed my own name and nobody blinked an eyelid.
I’ve got a business only CC because it works out my monthly GST, but I ditched my personal CC because it did nothing for me, especially it didn’t ever get me a cash discount no matter how many times I asked.

Unknown you are so funny, you are also a Master Comedian, and John you are not! and it’s retina.

Getting anything for free is pretty good. i grew opium poppies in my front yard and got some free painkiller from that. I also grow parsley, thyme, rosemary and my passionfruit vine has finally begun to flourish after 2 years.
I caught the bus today instead of driving and I told the driver I didn’t have the fare and he let me ride for free.

By: John

John — Thu, 30 Jul 2009 22:36:34 +0000

Uknown: you are a criminal mastermind? by the sounds of it your nothing but a petty thief, i mean common credit/debit card fraud is hardly criminal mastermind buisness is it…

Oh and one final thought…Would a ‘Criminal Mastermind’ waste his and everybody elses time by leaving a totaly ename comment on a discusion site?

MoneyNing: i went to a convension in tokyo and was amazed to see a cash machine which required a finger print sample aswell as a four digit personal identification number. Although im sure this would come into effect in countrys like the uk due to human rights infringement.

I wonder how long it will be before we see retner scanning technology in our cash machines and Pds’s

By: smelly asian

smelly asian — Tue, 28 Apr 2009 00:57:41 +0000

thats brilliant

By: UNKNOWN

UNKNOWN — Tue, 28 Apr 2009 00:54:55 +0000

I am a mastermind thief working for a financial institution! I regulary will use peoples credit/debit card details to purchase goods for myself online! By sending the goods to a third party and an unknown email address the transation can never be traced back to me

By: Latino

Latino — Fri, 29 Aug 2008 18:33:48 +0000

I was born in El Salvador and go back there to vacation often. There, when you use a credit card, not only do you have to show your ID but they also write your ID/DL number on the receipt and ask you for your phone number. Credit card fraud is not something they see too often. If you’re not local, they check your passport, they don’t play with that.

By: Kat

Kat — Thu, 21 Aug 2008 17:18:48 +0000

Oddly enough, I don’t think I’ve had to show ID more than twice. My cards aren’t signed either. It’s a game to me. When I used to work in retail, I’d always ask if a card wasn’t signed. I don’t think that’s illegal, it’s being cautious. We’d check bills to make sure they’re not fake, why not ID for unsigned cards?

By: marci

marci — Wed, 30 Jul 2008 19:27:06 +0000

I wrote “Check ID” in my signature line but am amazed at how often it does NOT happen… altho I rarely use the card anyway…

I think I will write as above Photo ID required….