Merchants can request ID when using a credit card, but cannot refuse a card if a person fails to provide it. State laws may also prohibit retailers from requiring ID unless the card says “see ID.” Exceptions include purchases of age-restricted items and items to be delivered.
Many people wonder if merchants have the right to ask for ID when using a credit card. Some people are happy to have their ID verified, as a card is less likely to be used fraudulently. Others aren’t happy to provide additional information, especially if a merchant notes their name, address or phone number on credit cards. There are several laws governing whether a merchant can request identification, some provided by credit card companies and others that may apply in the state where you live.
Most Mastercard and Visa credit cards actually have merchant provisions that say a merchant cannot refuse a credit card if a person refuses to provide identification beyond their signature on the back of the card. These companies also prohibit requests that require a customer to enter their name, address, and phone number. The standard rule is that merchants can request an ID, but cannot decline the card if a person fails to provide such an ID. They also cannot request specific forms of identity; a student ID or Costco card with your photo on it is just as good as a state ID.
Depending on the state you live in, some other businesses are prohibited. Retailers may be prohibited by state law and may not even require ID unless the card says “see ID,” although this varies by region. Many states also prohibit the refusal of cards when identification is not presented and prohibit noting any personal information gleaned from identification cards and the security code on the back of credit cards. Also, sellers are usually not allowed to write their phone number on a credit card. Merchants are often unaware of these restrictions, and if you feel strongly about not presenting ID when using a credit card, your best defense is to bring a copy of your state code and your card company’s rules. credit, highlighting the appropriate steps.
There are some exceptions when merchants may require ID to complete a purchase with a credit card. If you’re buying alcohol, tobacco, or anything else that requires you to be of a certain age, a store may require proof of ID. The store still can’t write down identifying things like your driver’s license or home number on your credit card.
The only time writing down this information or requiring ID as a condition of purchase is legal, in most states, is if you’re buying something that will be delivered to your door. In this case, a merchant may request your address and telephone number so that the items can be delivered properly. In other circumstances, however, most merchants, when you physically present your card, have no choice but to ask you to sign your card. Failure to provide the signature can void sales and allow a merchant to decline a sale.
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