One time only. On a European trip I had a Visa card stolen. I called the
issuing credit union from there.
When I got home there was only one charge made the day of the theft that I
had not made.
The CU had the original slip. I was asked to sign my name five times. They
looked at my sig, looked at the credit card slip and said " Ok we will
charge it back to the shop that had accepted the card."
By the way, I had gone to the police station (we were leaving that day ) and
managed to get a police report. I had it with me when I went to the CU.
I still have that report. It was my souvenir from the Rome police.
On Mon, 27 Jun 2011 16:32:50 -0400, Metspitzer wrote:
I have used someone else's credit card only a few times (4-5 tops) and
never had a problem. Even when people check the photo ID they have only
checked the photo 4-5 times. I bet I could borrow my son's ID and credit
card and not have a problem, even if I write on the card to check photo ID.
I had that on my card for about 2 years and NOBODY checked the photo
against my face, only compared names.
On Mon, 27 Jun 2011 17:57:43 -0500, Michael Dobony
I am guessing it is more for the clerk to match the front signature
with the back, but they are not exactly the CSI type.
I think putting a picture ID would be much more effective. Now a
days, you could email a photo to the card company.
In the USA, a signature does not have to be legible or in English or
the Latin alphabet. It can be in a foreign alphabet like Greek,
Hebrew, Chinese, that no one at the store can read.
This includes your checking account and I'm sure contracts and
I'll bet the laws that say this encompass using no alphabet, like a
smiley face, and that that is legal too. As in the cowboy movies,
"Make your mark."
"X" is legal for illiterates and others.
Personally I think it should be remembered and farily reproducible by
the signer or he's going to have troubles. :)
I have LifeLock. On the back of all my cards, I have VERIFY SIGNATURE. If
a clerk does NOT verify my signature, I call for the manager, and usually
get some very good results. At the least, I get the clerk's attention and
teach them something new.
Only once, for me too. Actually, I always sign my credit cards with
my full 1st name, middle initial and full last name. However, I
sign all credit vouchers and electronic credit units 1st initial
only, middle initial and full last name. This gives me a check, if
there's a disputed credit charge, by looking at the signature. If
it's signed like on the card, it's not me. As I said, only once, a
teller sort of complained. A friend of mine signs his credit card
with the phrase "ask for identification." He then signs the voucher
or machines with his signature. He said no one ever asks for ID,
I recently ate at a restaurant that only took credit cards if you also gave
them a driver's license. But not to compare the signature. They brought
back the license with the card before I signed the check.
Don. www.donwiss.com (e-mail link at home page bottom).
NEVER EVER NEVER EVER let your license or your CC leave your sight. That's
when the cards are skimmed by portable scanners and your license quickly
photographed by cell phone cameras. Police are forever busting up rings of
waitstaff that earn considerable money from criminal gangs. What they
really want is your 3 or 4 digit code on the back of your card. I always
pay with cash at restaurants. The risk is just too high that someone's
going to sell your card data to some criminal gang. Cuts out the infamous
double billing scams, too. I always make sure I have a mix of bills too, so
that the famous "disappearing waiter" trick isn't pulled on me where they
hope you'll just get tired of waiting and leave without your change.
WASHINGTON -- Restaurants in the D.C. metropolitan area are working with
Secret Service agents to shut down a credit card-skimming scheme, and
authorities said each business was hit from the inside.
Managers at the DuClaw Brewing Company and Pizzeria Uno at the Bowie Town
Center in Bowie, Md., Jasper's in Largo, Md., and the Red, Hot and Blue
restaurant in Arlington, Va., had no idea their customers were being
Authorities said a network of waiters working at the four restaurants used a
device called a skimmer to swipe customers' credit cards. By using the
device, authorities said the waiters were able to capture the customers'
credit card numbers as well as other private information about the card
owners. Then authorities said that information was used to make illegal
NEVER EVER EVER let your credit card or license leave your sight.
Sorry, I don't want to leave my guests, get up and follow a server through a
labyrinthine maze back to the credit card machine. I use LifeLock, plus my
VISA allows me to not pay any disputed charge.
Werks fer me.
I meant to write credit card AND license. Sorry. I was in shock that
anyone would surrender both documents to a waiter/waitress and let them
disappear for a time. (Sorry Don W. - too many years reporting crime have
made me *very* paranoid. You're free to take any level of risk you're
comfortable with, but there is a possibility you're unaware of how
vulnerable the restaurant customer is to skimming.)
Let me ask you this, Steve: Would you let both your driver's license AND
your CC leave your sight in a restaurant?
I ask that because in my limited but still substantial experience,
restaurants are the absolute NEXUS of lower-than-minimum wage, transient,
possibly illegal, possibly ex-felon employees. Add a bar and you've added
potential pimping, drug dealing, gambling along with other activities that
require money. A high res image of your license is a get-out-of-jail card
for an ex-con or squint. They can use your license to convince the police
that they are you long enough to escape custody and leave you stuck paying
the bill. The criminal bill. But it's quite possible that other people
don't see restaurants in quite the same light. (-:
<<Malcolm Byrd was home with his two children on a Saturday night when a
knock came at the door. Three Rock County, Wis., sheriff's officers were
there with a warrant for Byrd's arrest. Cocaine possession, with intent to
distribute, it said. Byrd tried to tell them that they had the wrong man,
that it was a case of mistaken identity, that he was a victim of identity
theft. But they wouldn't listen. Instead they put him in handcuffs and drove
him away. Again. It was nothing new for Byrd, who has spent much of the
past five years trying - unsuccessfully - to talk skeptical police officers
out of arresting him. But this time, it was worse. Two days later, he was
still in jail.>>
I wouldn't count on VISA or LifeLock being able to reverse the physical act
of being incarcerated for 2 days nor the incredibly bad effect it can have
on your life.
The above cited article goes on to say:
<<There's nothing new about criminals using aliases to evade the law -
criminals often try to give their buddy's name, address, and date of birth
to dupe police. But the explosion of identity theft, and the ready
availability of stolen digital dossiers on innocent victims, makes it just
as easy for a criminal to give a stranger's personal data during an arrest.
Once police book a suspect under a fake name, that mistake can plague a
victim for life. "The alias becomes a disease to the true owner of that
character," said Sgt. Bob Berardi, head of the Identity Theft task force in
I am pretty sure (but memory loss is plaguing me) that you can request a
manual imprinter be brought to your table. VISA merchant agreements are the
product of a lot of legal man hours and contain clauses that relate to bad
experiences of unhappy merchants and customers.
Restaurants clearly are a business different from most other card
operations. That's an interesting enough question for me to call VISA today
and ask them what my options are at restaurants and whether I can request
they bring a manual imprinter to my table. What they'll say is "you are
protected from fraudulent charges" but that doesn't address what they can do
with an image of your license. I'll make a point to ask if they can demand
to take you license away, too. I doubt it. I would imagine the contracts
reads "must present or display" ID but not "surrender to server."
I agree that it's inconvenient to go to the front desk to execute the
transaction, but not much more than taking a leak. If for some reason I was
out of cash, I would take the precaution because of the steepness of the
down side. The only place I surrender my license - briefly - is at the
bank's drive-in window where I can actually see the teller for the whole
time. Bank employees are usually less likely to have a criminal record
because of the nature of their work.
But all those hassles disappear when you use the Franklin card. Cold, hard
cash. Plus, you don't leave a transaction trail in the incredibly invasive
world of customer behavior tracking. There are plenty of good places to use
credit cards. But restaurants clearly aren't your best bet because of the
seemingly endless string of skimming rings arrest stories:
Eight plead guilty in credit card-skimming scheme
Jun 11, 2009 ... Eight people involved in a credit card-skimming scheme
which netted more than
$700000 from customers of area restaurants pleaded guilty ...
Police Uncover Credit Card-Skimming Scheme
Mar 24, 2006 ... WASHINGTON -- Restaurants in the D.C. metropolitan area are
working with Secret
Service agents to shut down a credit card-skimming scheme, ...
May 9, 2011 ... 36000 Credit Card Numbers Stolen In Skimmer Scheme ... There
are 36000 victims,
in a major credit card skimming operation, and Orange County ...
2 Arrested In Credit Card 'Skimming' Scheme - News Story - WFTV ...
Sep 15, 2009 ... Officers are trying to track down the restaurant employees
Restaurant Worker Pleads Guilty in Credit Card Scheme | NBC Washington
Jul 31, 2010 ... In the summer of 2008, Ward paid two other servers she had
recruited at the
restaurant to help her in the scheme. Using credit card skimming ...
I know that people are obsessed with racking up airline miles but with what
I know about restaurants and what I see in the news, they're not an
especially safe place to use a card BECAUSE it's one of the few places where
a card does leave your sight.
As for relying on LifeLock? I wouldn't do that either:
LifeLock Will Pay $12 Million to Settle Charges by the FTC and 35 States
That Identity Theft Prevention and Data Security Claims Were False
LifeLock, Inc. has agreed to pay $11 million to the Federal Trade Commission
and $1 million to a group of 35 state attorneys general to settle charges
that the company used false claims to promote its identity theft protection
services, which it widely advertised by displaying the CEO's Social Security
number on the side of a truck.
Life's too short to spend 2 days in jail because I got careless with my
Yes. One can't go through life worrying about little things. All credit
card companies will reverse fraudulent charges. Not to mention that
frequent flier miles are nice to get and I stopped carrying coins long ago.
Any place where I use cash is in even dollars.
Don. www.donwiss.com (e-mail link at home page bottom).
Me, too. I have absolute faith in the algorithms that they use to
ferret out fraudulent claims, largely because they freeze my card at
times even when I make the charges.
I started calling them to let them know when I was going to Florida
since entry into the Sunshine state seems to automatically offend the
People thought cybersex was a safe alternative,
until patients started presenting with sexually
Read a copy of the merchant's agreement with the cc company. They are
forbidden to ask for any ID to use the card. The only requirement is
that the card be signed. If not signed, the card is to be considered
invalid. Read the agreement for further info.
Thanks. I just filed a complaint at:
Now I don't remember whether the license was just looked at or taken away
with the card. This was some months back. I do know I told my luncheon
companion that I would not eat there again because of it.
Don. www.donwiss.com (e-mail link at home page bottom).
It's not for your protection that the merchant violates the agreement
they signed. It is for their protection as fraudulent use of a card
does not cost the legitimate holder a dime.
I refuse all requests for DL or other ID. I have challenged Wal-Mart
thru MasterCharge and received an apology from corporate and they no
longer request additional ID.
Challenged Dobbs Tire and received a written apology from corporate.
The best was Lowe's. I challenged them when they demanded DL after
purchase was approved by MC. I refused and they withheld merchandise
but did not reverse charge. They settled for $4,650.00. The disputed
charge was $27.54.
How many times have you seen the merchant compare the card sig with
the charge sig? That is required by the agreement but is almost
If the card is not signed, it is considered invalid and the merchant
must require that the card by signed in their presence before
Another consumer fallacy is marking "See ID" on the card. That makes
the card invalid as it has been altered.
I learned quite a bit about the proper acceptance of CC's during the
negotiations w/Lowe's attorneys.
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