ID This (or, Know Your Credit Card Rights)
If you’ve used a credit or debit card in the recent past, you’ve probably been asked to show ID with your purchase. I find this additional step to be somewhat inconvenient and recently discovered that Visa, Mastercard, American Express and Discover all expressly prohibit requiring ID as a condition of accepting the card. So you know what? I’ve been holding merchants to their obligations and now refuse to show ID when I use my card.
I’ve had some mixed results. The first place I tried it at was Harmon’s, a local grocery chain. I got some pushback, but the manager would come over and begrudingly approve it. After filing a complaint with Mastercard, they magically stopped asking for ID just a few short weeks later. Emboldened with my new-found success, I continued to insist that merchant credit card processing companies not be able to ask for ID. It amazingly works a lot of the time although you have to be willing to hold your ground and ask for a manager. It’s not always successful either. Shauna and I went to the movies a week and a half ago and the manager would not budge. He even had the audacity to say that they ask for ID because they don’t do the signature check required by Visa. I had to begrudgingly accept and filed a complaint with the issuing bank to get some payback.
There’s plenty of other cardholder rights that you have. Ever seen a sign that says a minimum purchase is required for a credit card? Major no-no. Filing a complaint can get their merchant account suspended. And merchants that charge more if you use a credit card? It’s allowed if they offer a cash discount, but prohibited if they charge a fee for credit card usage. This does even factor in things like automatic extended warranties.
I’m feeling empowered now that I can use my credit card as a weapon for better deals. How are you going to assert your consumer rights?