Comments on: I Could Use Someone Else’s Credit Card to Buy My Groceries http://moneyning.com/credit-cards/i-could-use-someone-else-credit-card-to-buy-my-groceries/ A personal finance blog where we share insights on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom! Wed, 23 May 2012 05:51:16 +0000 hourly 1 http://wordpress.org/?v=3.3.2 By: Ruben http://moneyning.com/credit-cards/i-could-use-someone-else-credit-card-to-buy-my-groceries/comment-page-1/#comment-68915 Ruben Sun, 08 Jan 2012 12:11:08 +0000 http://moneyning.com/credit-cards/i-could-use-someone-else-credit-card-to-buy-my-groceries/#comment-68915 Restaurants never ask for id, even the word is printed instead of owners signature "Ask for ID" at the back of the card. I have heard that you can request the bank to have two cards, one for you and one for your spouse. You both can have two different cards linking to the same account with valid credit procedures in place. If it's a debit, it's easier. For credit, I always tell folks to have their own. Down the road, you never know the fruits of life. Hope never happens to anyone. For Divorce, For Making sure that both spouses are involved in paying off bills such as mortgage, car loans etc, it's always best to do with two separate accounts from same or different bank. Having your own bank of statement shows your part in financial contribution, and the other would be of your husband/wife. Remember, future is not always pleasant as it might appear to be today. So, one needs to be prepared for good or nasty situations, should they ever arrive in life. I would say, have two cards. In my country (Nepal), they accept all kinds of debit/credit cards, but VISA is the easiest one to cash in as they have many VISA ATMs and not all places accept otehr cards including MasterCard, and forget about getting any money out of DISCOVER. Don't where one travels, I would like to surely talk to the bank representative. (not from the web or lousy wiki written by some nerds). As you worry about your health and get vaccinated when travelling; specially to third would countries, one should do the same with banks, consult. Carry less money, and when you need more, use ATM overseas and done. In Nepal, they rarely check IDs, as one user has mentioned above. Legal age for going to bar in Nepal is only 18, and beer? everyone drinks here, so ! Having one account, two cards will confuse who paid what? Solution. Get your own card, let him have his own. That's the best solution in my view. Those afraid of buying online using their cards, there is a valid reason. Open one either on the same bank or different, put just a tiny amount there, transfer etc, and use that card. If anything goes wrong, such as theft via keyloggers, trojon horses-makers, hijackers, (darn, these people never get caught!, that's why they are never put in line with scientists), theft protection plan needs to be read carefully; do not understand why some state they will refund more while others are not included. To give you an example. so called LifeLock, a program to block identity theft says they will stop it, it's nonsense, also they will cover up to a million but does not mention if its for all state..... as of this date of writing, they do not cover NC and many other states. As they say, never trust anyone, not even your own best friend or spouse, specially for money matters. And big banks are charging god-da*m fees like you must maintain 200 minimum balance, and printing monthly balance charge up to five dollar, overdraft 35 dollar a day, and so on. No wonder, people are now moving to small community banks. I did and I am happy to say good buy to freaking bailed out bank WellsFargo. We had wachovia, great people, great bank, since WF bought the Wacho, all is hell from now on. Tech support is a joke, they actually teach you, insult your intelligence, are they so angry all the time when you ask them why a deposit has not been made? they tell me a story. next day I go to the bank, the money is deposited and shown. The phrase by WF, oh, "we will have a smooth transfer from Wacho to WF" is a complete joke. WF sucks, don't know about Bank of America. BB&T also falls among the bad banks, if you have money here, it's time to move else where. They are charging this and that fee like crazy. All right folks, no credit cards, just debit. Save little by little and have yourself a debit card, credit is like sitting on a branch and cutting the branch from the tree without you knowing what's going happen at the end. Restaurants never ask for id, even the word is printed instead of owners signature “Ask for ID” at the back of the card. I have heard that you can request the bank to have two cards, one for you and one for your spouse. You both can have two different cards linking to the same account with valid credit procedures in place. If it’s a debit, it’s easier.

For credit, I always tell folks to have their own. Down the road, you never know the fruits of life. Hope never happens to anyone. For Divorce, For Making sure that both spouses are involved in paying off bills such as mortgage, car loans etc, it’s always best to do with two separate accounts from same or different bank.

Having your own bank of statement shows your part in financial contribution, and the other would be of your husband/wife.

Remember, future is not always pleasant as it might appear to be today. So, one needs to be prepared for good or nasty situations, should they ever arrive in life.

I would say, have two cards. In my country (Nepal), they accept all kinds of debit/credit cards, but VISA is the easiest one to cash in as they have many VISA ATMs and not all places accept otehr cards including MasterCard, and forget about getting any money out of DISCOVER.

Don’t where one travels, I would like to surely talk to the bank representative. (not from the web or lousy wiki written by some nerds). As you worry about your health and get vaccinated when travelling; specially to third would countries, one should do the same with banks, consult. Carry less money, and when you need more, use ATM overseas and done. In Nepal, they rarely check IDs, as one user has mentioned above. Legal age for going to bar in Nepal is only 18, and beer? everyone drinks here, so !

Having one account, two cards will confuse who paid what? Solution. Get your own card, let him have his own. That’s the best solution in my view. Those afraid of buying online using their cards, there is a valid reason. Open one either on the same bank or different, put just a tiny amount there, transfer etc, and use that card. If anything goes wrong, such as theft via keyloggers, trojon horses-makers, hijackers, (darn, these people never get caught!, that’s why they are never put in line with scientists), theft protection plan needs to be read carefully; do not understand why some state they will refund more while others are not included. To give you an example. so called LifeLock, a program to block identity theft says they will stop it, it’s nonsense, also they will cover up to a million but does not mention if its for all state….. as of this date of writing, they do not cover NC and many other states.

As they say, never trust anyone, not even your own best friend or spouse, specially for money matters. And big banks are charging god-da*m fees like you must maintain 200 minimum balance, and printing monthly balance charge up to five dollar, overdraft 35 dollar a day, and so on. No wonder, people are now moving to small community banks. I did and I am happy to say good buy to freaking bailed out bank WellsFargo. We had wachovia, great people, great bank, since WF bought the Wacho, all is hell from now on. Tech support is a joke, they actually teach you, insult your intelligence, are they so angry all the time when you ask them why a deposit has not been made? they tell me a story. next day I go to the bank, the money is deposited and shown. The phrase by WF, oh, “we will have a smooth transfer from Wacho to WF” is a complete joke. WF sucks, don’t know about Bank of America. BB&T also falls among the bad banks, if you have money here, it’s time to move else where. They are charging this and that fee like crazy.

All right folks, no credit cards, just debit. Save little by little and have yourself a debit card, credit is like sitting on a branch and cutting the branch from the tree without you knowing what’s going happen at the end.

]]> By: Faith http://moneyning.com/credit-cards/i-could-use-someone-else-credit-card-to-buy-my-groceries/comment-page-1/#comment-53872 Faith Sun, 16 Oct 2011 13:19:09 +0000 http://moneyning.com/credit-cards/i-could-use-someone-else-credit-card-to-buy-my-groceries/#comment-53872 My dad has SEE ID on all his cards, and i would say 75% people ask him for it. he always uses his credit card or some sort of plastic because he never carry cash on him ( some times i think its because it makes it easier to say "NO" to me when i ask for a dollar to get a drink from the vending machines lol). in my middle school money class we were told ( even in the curriculum) to put SEE ID on the back of all your cards. you would bee surprised at how many middle schoolers have some sorta plastic :/ but not me. im from the USA to just to let u know because i noticed how many people on here were from somewhere else. My dad has SEE ID on all his cards, and i would say 75% people ask him for it. he always uses his credit card or some sort of plastic because he never carry cash on him ( some times i think its because it makes it easier to say “NO” to me when i ask for a dollar to get a drink from the vending machines lol). in my middle school money class we were told ( even in the curriculum) to put SEE ID on the back of all your cards. you would bee surprised at how many middle schoolers have some sorta plastic :/ but not me. im from the USA to just to let u know because i noticed how many people on here were from somewhere else.

]]> By: Evie http://moneyning.com/credit-cards/i-could-use-someone-else-credit-card-to-buy-my-groceries/comment-page-1/#comment-53711 Evie Fri, 14 Oct 2011 19:22:40 +0000 http://moneyning.com/credit-cards/i-could-use-someone-else-credit-card-to-buy-my-groceries/#comment-53711 I don't usually pay attention to my credit cards because my daughter has used them and pays the bills. But someone beside my daughter has used the card and I am now 9,000. in debt. Some chages were hers but alot of them were from th con artist they she got mixed up with. The girl had proof that she had several thousand $ in an out of state bank she she was allow to rack up lots of charges since she had the money. She is now in prison. SHE HAD NO MONEY AT ALL. We didn't put her away she was caught on early charges of the very same thing. My daughter and I are usually very good judges of people but she was a master of cons. I don’t usually pay attention to my credit cards because my daughter has used them and pays the bills. But someone beside my daughter has used the card and I am now 9,000. in debt. Some chages were hers but alot of them were from th con artist they she got mixed up with. The girl had proof that she had several thousand $ in an out of state bank she she was allow to rack up lots of charges since she had the money. She is now in prison. SHE HAD NO MONEY AT ALL. We didn’t put her away she was caught on early charges of the very same thing. My daughter and I are usually very good judges of people but she was a master of cons.

]]> By: Mari http://moneyning.com/credit-cards/i-could-use-someone-else-credit-card-to-buy-my-groceries/comment-page-1/#comment-51219 Mari Fri, 16 Sep 2011 02:01:04 +0000 http://moneyning.com/credit-cards/i-could-use-someone-else-credit-card-to-buy-my-groceries/#comment-51219 My question is: Can someone still steal from you if they only had the credit card number and not the security code or pin? I was recently pressured through phone to give the long number out but hung up before they could get security code and pin.. My question is: Can someone still steal from you if they only had the credit card number and not the security code or pin? I was recently pressured through phone to give the long number out but hung up before they could get security code and pin..

]]> By: Jon http://moneyning.com/credit-cards/i-could-use-someone-else-credit-card-to-buy-my-groceries/comment-page-1/#comment-49952 Jon Wed, 31 Aug 2011 15:15:56 +0000 http://moneyning.com/credit-cards/i-could-use-someone-else-credit-card-to-buy-my-groceries/#comment-49952 All of you who are saying it is a violation for Mastercard, etc. to request ID during a transaction obviously haven't read your card TOS in a while. This is directly from the Mastercard website: Q: A merchant required me to provide identification to use my MasterCard card A: There are certain situations when you use your MasterCard card where a merchant may require some personal information: for example for the shipping purposes, . Additionally, if the MasterCard card is unsigned, a merchant should request personal identification (but not record it) and ask the cardholder to sign the card before completing the transaction So- not only can they request ID, they can force you to sign an unsigned card before completing a transaction. It is their duty as a Mastercard merchant. All of you who are saying it is a violation for Mastercard, etc. to request ID during a transaction obviously haven’t read your card TOS in a while. This is directly from the Mastercard website:

Q: A merchant required me to provide identification to use my MasterCard card

A: There are certain situations when you use your MasterCard card where a merchant may require some personal information: for example for the shipping purposes, . Additionally, if the MasterCard card is unsigned, a merchant should request personal identification (but not record it) and ask the cardholder to sign the card before completing the transaction

So- not only can they request ID, they can force you to sign an unsigned card before completing a transaction. It is their duty as a Mastercard merchant.

]]> By: Patrick R. Carlson http://moneyning.com/credit-cards/i-could-use-someone-else-credit-card-to-buy-my-groceries/comment-page-1/#comment-44884 Patrick R. Carlson Tue, 07 Jun 2011 13:56:56 +0000 http://moneyning.com/credit-cards/i-could-use-someone-else-credit-card-to-buy-my-groceries/#comment-44884 I have a credit card merchant account as part of my business and I can tell you they have a variety of audit procedures to make sure this data isn't being stored. But then again, I only process cards over the phone and in person. I also have a non-online relationship with my clients. I've never had a fraudulent card, probably because we generally already have a pretty good idea about the person's identify before accepting the card. I do think that many people are faking the audits because how else could so much of the credit card data be available for online thieves and hackers? I have a credit card merchant account as part of my business and I can tell you they have a variety of audit procedures to make sure this data isn’t being stored.

But then again, I only process cards over the phone and in person. I also have a non-online relationship with my clients. I’ve never had a fraudulent card, probably because we generally already have a pretty good idea about the person’s identify before accepting the card.

I do think that many people are faking the audits because how else could so much of the credit card data be available for online thieves and hackers?

]]> By: SC http://moneyning.com/credit-cards/i-could-use-someone-else-credit-card-to-buy-my-groceries/comment-page-1/#comment-41679 SC Sun, 03 Apr 2011 21:09:22 +0000 http://moneyning.com/credit-cards/i-could-use-someone-else-credit-card-to-buy-my-groceries/#comment-41679 Actually Visa and MasterCard do not allow the requirement of ID as condition of purchase. If you are asked you can actually complain in writing for violation of merchant agreement. Actually Visa and MasterCard do not allow the requirement of ID as condition of purchase. If you are asked you can actually complain in writing for violation of merchant agreement.

]]> By: Erich http://moneyning.com/credit-cards/i-could-use-someone-else-credit-card-to-buy-my-groceries/comment-page-1/#comment-40033 Erich Tue, 01 Mar 2011 23:33:18 +0000 http://moneyning.com/credit-cards/i-could-use-someone-else-credit-card-to-buy-my-groceries/#comment-40033 this is the first time i saw this post..and as far as i have read it seems like the main root of the issue would be to have a "Responsible" card holder and not just sharing and giving out info`s to other person even if it wold be your wife, your friend, or your relatives as well.. to be responsible enough to your belongings would make you feel comfty where ever you would like to go..to shop or dine.. did that make sense guys?..so stop sharing your cards and bills haha..though i dont mean to be self centered.. have a good day to you all.. this is the first time i saw this post..and as far as i have read it seems like the main root of the issue would be to have a “Responsible” card holder and not just sharing and giving out info`s to other person even if it wold be your wife, your friend, or your relatives as well..
to be responsible enough to your belongings would make you feel comfty where ever you would like to go..to shop or dine..
did that make sense guys?..so stop sharing your cards and bills haha..though i dont mean to be self centered.. have a good day to you all..

]]> By: brandy http://moneyning.com/credit-cards/i-could-use-someone-else-credit-card-to-buy-my-groceries/comment-page-1/#comment-39724 brandy Wed, 23 Feb 2011 22:41:21 +0000 http://moneyning.com/credit-cards/i-could-use-someone-else-credit-card-to-buy-my-groceries/#comment-39724 are you kidding me? Refuse to show ID.. You've obviously never had your credit card stolen. This happened to me today. Yep card was stolen yesterday, the idiot used it at MCDonalds and b/c the purchase is under $25 MCDonalds doesn't require a pin number or and ID check. VISA AND MASTERCARD Policy prohibits merchants from asking for ID on any purchase under $100 (one hundred dollars) unless the merchant has reason to believe the card is being used fraudulantely... How do I know? CUZ I called CORPORATE HQ and asked. If the purchase is over 100 then they can ask. And about the cc company who issued it being responsible, if the card is reported stolen while charges are pending (which with online banking these days you can see everything pending your acct thats how I realized my card had been stolen) the CC Company can refuse to pay the charge and I won't be charged either, so MCDonalds ends up eating the money... hahah thats funny, which they should. I think merchants should require a pin or signature it takes 10 more seconds I mean really is it that big of a deal? And further more, unless you have a cashier that has remembering everything they see as their superpower, chances are they aren't going to remember your credit card number, your 3 digit id number on the back and your address from your drivers license. Please... are you kidding me? Refuse to show ID.. You’ve obviously never had your credit card stolen. This happened to me today.
Yep card was stolen yesterday, the idiot used it at MCDonalds and b/c the purchase is under $25 MCDonalds doesn’t require a pin number or and ID check.
VISA AND MASTERCARD Policy prohibits merchants from asking for ID on any purchase under $100 (one hundred dollars) unless the merchant has reason to believe the card is being used fraudulantely… How do I know? CUZ I called CORPORATE HQ and asked. If the purchase is over 100 then they can ask.
And about the cc company who issued it being responsible, if the card is reported stolen while charges are pending (which with online banking these days you can see everything pending your acct thats how I realized my card had been stolen) the CC Company can refuse to pay the charge and I won’t be charged either, so MCDonalds ends up eating the money… hahah thats funny, which they should. I think merchants should require a pin or signature it takes 10 more seconds I mean really is it that big of a deal? And further more, unless you have a cashier that has remembering everything they see as their superpower, chances are they aren’t going to remember your credit card number, your 3 digit id number on the back and your address from your drivers license. Please…

]]> By: David http://moneyning.com/credit-cards/i-could-use-someone-else-credit-card-to-buy-my-groceries/comment-page-1/#comment-38843 David Sun, 06 Feb 2011 01:47:46 +0000 http://moneyning.com/credit-cards/i-could-use-someone-else-credit-card-to-buy-my-groceries/#comment-38843 Those of you asked to show ID when using a credit card should simply refuse. It's a huge source of identify theft. Show your ID to an unscrupulous clerk, and now they now only have your credit card number but your address as well. A very bad idea. As others have noted, the merchant is absolutely prohibited from requiring ID to complete the sale. Those of you asked to show ID when using a credit card should simply refuse. It’s a huge source of identify theft. Show your ID to an unscrupulous clerk, and now they now only have your credit card number but your address as well. A very bad idea. As others have noted, the merchant is absolutely prohibited from requiring ID to complete the sale.

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