Asking for ID for credit card purchases

Have you ever gone to purchase something with a credit card and been asked for a driver’s license or other ID? I’ve asked one of my hispanic friends and he gets asked for ID quite often when buying something with a credit card. I’ve asked two different caucasion friends, and the one that dresses business casual says he can’t remember ever being asked. The other caucasian friend, that dresses rather clumsily like myself, gets asked for ID when using a credit card to buy a pack of gum.

My mom is an indigenous person of the Americas and celebrates her heritage as a member of the now non-existent Apache tribe. Not only am I copper colored, but I also dress rather like a social misfit. I get asked for ID all the time when making credit card purchases, regardless of the dollar amount. Whether I’m getting racially profiled, I can’t be sure. Unfortunately, when I stand there at the register to see if everyone else gets asked for ID, the store clerks are already tipped off that I’m watching to see if they’re applying their policy to everyone.

GameStop’s corporate policy

Yesterday, my best friend and I went to GameStop, a store that specializes in new and used electronic gaming consoles, games, and accessories. My used Nintendo Wii had come with a Mario Kart game which neither one of us enjoyed. Since the game came with a steering wheel accessory, I figured that we could get a decent amount of credit when we traded it in.

The store ended up offering us $22 worth of credit for the game that we were trading in, it’s steering wheel accessory, and the empty box. There were several new and used games for $19.99 which we could have bought with the credit, but my friend and I noticed that they were having a “buy two get one free” special on the used games. Therefore, we could get one $19.99 game with my credit, or if I shelled out another $19.99, we could get three games. I decided that this was a good opportunity to increase our three game collection to a six game collection for less than $20.

After spending nearly an hour picking out three games, I went to pay for them. After getting asked for my name, street address, and date of birth while everyone standing around could hear, I then got asked for $19.63, and I offered a signed MasterCard check card as payment. Before the store clerk would even swipe my credit card, he asked for my ID.

I asked, as I usually do, “Oh, is it not signed?” The clerk checked to see if my card was signed, and then said that it was but that he needed to see my ID for “security purposes”. I started explaining that it was a violation of Visa and MasterCard regulations to require ID to accept the card as payment, since it was signed. As I’m accustomed to hearing, he spouted that it was store policy and that I shouldn’t feel uncomfortable about showing my ID unless it wasn’t my card. Unable to convince him that he was wrong, I told him that I’d be reporting his violation and left to get a twenty dollar bill out of the ATM a few blocks away.

The store clerk was actually happy with that, apparently thinking that he’d just avoided some credit card fraud. In his mind, if I’m unwilling to show my ID, it certainly must not be my credit card. I don’t blame him, however. I blame his management team. I tried to explain that MasterCard and Visa wanted people to be able leave home on an adventure with just a signed credit card for payment, and that allowing stores to ask for ID allowed for racial or other profiling. What the store clerk is supposed to do is compare signatures, and if he had a security concern, he was to do a “code 10 authorization” by calling up MasterCard directly who would then direct him how to proceed.

I ended up paying with cash, and lost out on the benefits of using a MasterCard for payment, such as extended warranty and purchase protection. I told the store clerk that next month when I came in to trade my Zelda game in that he wouldn’t have to ask me for ID. I told him that I’d never reported a store for a merchant violation and came in the next time to find that they were still asking for ID. He said that he’d had complaints from customers for the five years he’d been asking for ID, and that the policy hadn’t changed yet. He obviously didn’t believe me. It’s too bad. I called another GameStop near me, and the clerk I spoke with confirmed that this is GameStop corporate policy. I’ve reported the violation to American Express, Visa, and MasterCard.

What Do the Visa and MasterCard Rules and Regulations Say?

Don’t want to do the research yourself? Please feel free to follow me on twitter and then e-mail me for the password to view the rest of the article.
Continue reading “Asking for ID for credit card purchases”