Questions on how we spend our money and our time - consumer goods and services, home and vehicle, leisure and recreational activities
Post by go_mets » Fri Feb 15, 2019 10:54 am
This year I applied for two new credit cards --- one with Bank of America and one with Capital One.
I have a credit card with both companies.
I was approved for both credit cards.
With BoA, I was able to activate the new card online.
With CapitalOne, they wanted me to either mail or email a photo of my driver's license.
The credit card was mailed to my address which I have had for 7.5 years.
I have been a customer for 10-15 years.
I regularly log into their website.
I regularly use their Quicksilver credit card.
I was told by CapitalOne this is their new policy.
Is this something new for all credit card companies?
2015 Posts: 2906 Joined: Mon Feb 10, 2014 1:32 pmPost by 2015 » Fri Feb 15, 2019 11:57 am
Any credit card company that wants my photo will soon receive a request for cancellation. Never going to happen and I'm not interested in their "policies."
adamthesmythe Posts: 5988 Joined: Mon Sep 22, 2014 4:47 pmPost by adamthesmythe » Fri Feb 15, 2019 12:02 pm
Tell them you'll send it later. Then don't.
Maybe they will cancel the card, maybe not. I'm keen to find out.
lthenderson Posts: 8986 Joined: Tue Feb 21, 2012 11:43 am Location: IowaPost by lthenderson » Fri Feb 15, 2019 12:02 pm
From recent experience of setting up a simple business checking account for a non-profit organization, "recent" banking law changes have made things much more difficult that I can ever remember. I'm not sure what banking laws they were referring to but they require much more identification for setting up accounts and have more restrictive rules in place on how one can use those accounts. I suspect their asking for an ID is part of this.
dustinst22 Posts: 326 Joined: Sun Apr 15, 2018 1:09 pm Location: Huntington Beach, CAPost by dustinst22 » Fri Feb 15, 2019 12:05 pm
As someone who churns a lot of credit cards, I've occasionally had this request from different banks for a new card. Fraud is on the rise, they're just trying to protect your identity and their business. Don't take it personally. I'm frankly glad to see they are being more vigilant about this.
Last edited by dustinst22 on Fri Feb 15, 2019 12:20 pm, edited 1 time in total. Epsilon Delta Posts: 8090 Joined: Thu Apr 28, 2011 7:00 pmPost by Epsilon Delta » Fri Feb 15, 2019 12:17 pm
The bank is probably equally unsure about what "recent" banking law changes have made things more difficult.
It is very common for banks (and others) to introduce their own rules for their own purposes (good, bad or non-existent) and blame it on the Feds when somebody complains.
jacksonm Posts: 234 Joined: Tue Oct 16, 2018 11:48 amPost by jacksonm » Fri Feb 15, 2019 12:19 pm
Since credit card rules generally prohibit asking for an ID when making a purchase the only reason I can currently see for this is dispute resolution in cases where there is some sort of security camera available. Or do they intend to require all the machines at the check-out counter to eventually have security cameras?
Earl Lemongrab Posts: 7270 Joined: Tue Jun 10, 2014 1:14 amPost by Earl Lemongrab » Fri Feb 15, 2019 2:30 pm
jacksonm wrote: ↑ Fri Feb 15, 2019 12:19 pm Since credit card rules generally prohibit asking for an ID when making a purchase the only reason I can currently see for this is dispute resolution in cases where there is some sort of security camera available. Or do they intend to require all the machines at the check-out counter to eventually have security cameras?
That's not the intent. They just want additional verification that it's not identity fraud when the card is activated.
I wouldn't comply either. Given the number of problems with cards traced back to internal fraud, giving my ID to them doesn't seem like a good idea. I'd move on.
CABob Posts: 5091 Joined: Sun Feb 25, 2007 7:55 pm Location: Southern CaliforniaPost by CABob » Fri Feb 15, 2019 2:44 pm
If Capital One indicated that this was a security measure that would benefit me I might consider it but it appears that the benefit is all on their side I think I would pass.
jacksonm Posts: 234 Joined: Tue Oct 16, 2018 11:48 amPost by jacksonm » Fri Feb 15, 2019 2:55 pm
Earl Lemongrab wrote: ↑ Fri Feb 15, 2019 2:30 pmjacksonm wrote: ↑ Fri Feb 15, 2019 12:19 pm Since credit card rules generally prohibit asking for an ID when making a purchase the only reason I can currently see for this is dispute resolution in cases where there is some sort of security camera available. Or do they intend to require all the machines at the check-out counter to eventually have security cameras?
That's not the intent. They just want additional verification that it's not identity fraud when the card is activated.
I wouldn't comply either. Given the number of problems with cards traced back to internal fraud, giving my ID to them doesn't seem like a good idea. I'd move on.
Do they have a picture to compare it with when they activate the card? If not, how could that be the intent?
StandingRock Posts: 344 Joined: Sat Feb 02, 2019 5:54 pmPost by StandingRock » Fri Feb 15, 2019 3:01 pm
jacksonm wrote: ↑ Fri Feb 15, 2019 2:55 pm Earl Lemongrab wrote: ↑ Fri Feb 15, 2019 2:30 pmjacksonm wrote: ↑ Fri Feb 15, 2019 12:19 pm Since credit card rules generally prohibit asking for an ID when making a purchase the only reason I can currently see for this is dispute resolution in cases where there is some sort of security camera available. Or do they intend to require all the machines at the check-out counter to eventually have security cameras?
That's not the intent. They just want additional verification that it's not identity fraud when the card is activated.
I wouldn't comply either. Given the number of problems with cards traced back to internal fraud, giving my ID to them doesn't seem like a good idea. I'd move on.
Do they have a picture to compare it with when they activate the card? If not, how could that be the intent?
Maybe they have a "Wall of Shame" that they pin your photo on when you're late on payments. an_asker Posts: 4992 Joined: Thu Jun 27, 2013 2:15 pmPost by an_asker » Fri Feb 15, 2019 3:03 pm
go_mets wrote: ↑ Fri Feb 15, 2019 10:54 am This year I applied for two new credit cards --- one with Bank of America and one with Capital One.
I have a credit card with both companies.
I was approved for both credit cards.
With BoA, I was able to activate the new card online.
With CapitalOne, they wanted me to either mail or email a photo of my driver's license.
The credit card was mailed to my address which I have had for 7.5 years.
I have been a customer for 10-15 years.
I regularly log into their website.
I regularly use their Quicksilver credit card.
I was told by CapitalOne this is their new policy.
Is this something new for all credit card companies?
Barclay's wanted me to send in my SS card. Needless to say, I didn't. Topic Author go_mets Posts: 794 Joined: Wed Oct 21, 2015 11:49 amPost by go_mets » Fri Feb 15, 2019 4:01 pm
an_asker wrote: ↑ Fri Feb 15, 2019 3:03 pmgo_mets wrote: ↑ Fri Feb 15, 2019 10:54 am This year I applied for two new credit cards --- one with Bank of America and one with Capital One.
I have a credit card with both companies.
I was approved for both credit cards.
With BoA, I was able to activate the new card online.
With CapitalOne, they wanted me to either mail or email a photo of my driver's license.
The credit card was mailed to my address which I have had for 7.5 years.
I have been a customer for 10-15 years.
I regularly log into their website.
I regularly use their Quicksilver credit card.
I was told by CapitalOne this is their new policy.
Is this something new for all credit card companies?
Barclay's wanted me to send in my SS card. Needless to say, I didn't.Wow! Your experience tops mine in a not so good way.
I don't churn credit cards, but I thought spending $500 to get $150 bonus seemed a like a good deal.
The infuriating thing about the whole experience was that the CSR asked for all sorts of info from me so I thought that was it.
Then came the zinger about mailing proof of ID and apparently they wanted it to be done at any bank so they wanted a signature guarantee.
So they wanted to prove I was me but it still wasn't enough proof that I was me.
The CSR was so wishy washy.
Don't waste my time. Just tell me to mail in my proof of ID.
Post by Earl Lemongrab » Fri Feb 15, 2019 9:29 pm
jacksonm wrote: ↑ Fri Feb 15, 2019 2:55 pm Earl Lemongrab wrote: ↑ Fri Feb 15, 2019 2:30 pmjacksonm wrote: ↑ Fri Feb 15, 2019 12:19 pm Since credit card rules generally prohibit asking for an ID when making a purchase the only reason I can currently see for this is dispute resolution in cases where there is some sort of security camera available. Or do they intend to require all the machines at the check-out counter to eventually have security cameras?
That's not the intent. They just want additional verification that it's not identity fraud when the card is activated.
I wouldn't comply either. Given the number of problems with cards traced back to internal fraud, giving my ID to them doesn't seem like a good idea. I'd move on.
Do they have a picture to compare it with when they activate the card? If not, how could that be the intent?
It's not the photo, it's the driver's license information. criticalmass Posts: 2908 Joined: Wed Feb 12, 2014 9:58 pmPost by criticalmass » Fri Feb 15, 2019 11:41 pm
Earl Lemongrab wrote: ↑ Fri Feb 15, 2019 9:29 pm jacksonm wrote: ↑ Fri Feb 15, 2019 2:55 pm Earl Lemongrab wrote: ↑ Fri Feb 15, 2019 2:30 pmjacksonm wrote: ↑ Fri Feb 15, 2019 12:19 pm Since credit card rules generally prohibit asking for an ID when making a purchase the only reason I can currently see for this is dispute resolution in cases where there is some sort of security camera available. Or do they intend to require all the machines at the check-out counter to eventually have security cameras?
That's not the intent. They just want additional verification that it's not identity fraud when the card is activated.
I wouldn't comply either. Given the number of problems with cards traced back to internal fraud, giving my ID to them doesn't seem like a good idea. I'd move on.
Do they have a picture to compare it with when they activate the card? If not, how could that be the intent?
It's not the photo, it's the driver's license information.My driving license has the address I lived at years ago when I obtained the license, not the address that I live at now. I get tired of banks etc. asking to see my license or a copy, then try to set my address to an old one.
I just show my passport nowadays instead. Sometimes they get huffy about it, but it is a valid government ID. Too bad it has little information about me besides my name, birthday, place of birth, nationality, photo, and passport number.
fru-gal Posts: 1589 Joined: Wed Jan 02, 2019 8:48 pm Location: New EnglandPost by fru-gal » Sat Feb 16, 2019 6:33 am
criticalmass wrote: ↑ Fri Feb 15, 2019 11:41 pm Earl Lemongrab wrote: ↑ Fri Feb 15, 2019 9:29 pm jacksonm wrote: ↑ Fri Feb 15, 2019 2:55 pm Earl Lemongrab wrote: ↑ Fri Feb 15, 2019 2:30 pmjacksonm wrote: ↑ Fri Feb 15, 2019 12:19 pm Since credit card rules generally prohibit asking for an ID when making a purchase the only reason I can currently see for this is dispute resolution in cases where there is some sort of security camera available. Or do they intend to require all the machines at the check-out counter to eventually have security cameras?
That's not the intent. They just want additional verification that it's not identity fraud when the card is activated.
I wouldn't comply either. Given the number of problems with cards traced back to internal fraud, giving my ID to them doesn't seem like a good idea. I'd move on.
Do they have a picture to compare it with when they activate the card? If not, how could that be the intent?
It's not the photo, it's the driver's license information.My driving license has the address I lived at years ago when I obtained the license, not the address that I live at now. I get tired of banks etc. asking to see my license or a copy, then try to set my address to an old one.
I suspect that when you change your address, you're supposed to tell the state motor vehicle people and get a new drivers license issued.
cherijoh Posts: 6591 Joined: Tue Feb 20, 2007 3:49 pm Location: Charlotte NCPost by cherijoh » Sat Feb 16, 2019 7:43 am
lthenderson wrote: ↑ Fri Feb 15, 2019 12:02 pm From recent experience of setting up a simple business checking account for a non-profit organization, "recent" banking law changes have made things much more difficult that I can ever remember. I'm not sure what banking laws they were referring to but they require much more identification for setting up accounts and have more restrictive rules in place on how one can use those accounts. I suspect their asking for an ID is part of this.
There is a big difference between setting up checking/savings accounts where the know your customer (KYC) regulations apply and credit cards. KYC is related to anti-money-laundering regulations. Money laundering shouldn't be an issue with credit cards.
If it meant as a fraud protection device, I'm not sure it would be justified/effective unless they plan to put your ID picture on the card. Yikes! I hope no one would recognize me from my driver's license photo. Especially a low quality copy of the picture.
I'm not sure they still do it, but for a while you could go to several of the larger BofA branches and they'd take your picture and put it on your debit card. But this was purely voluntary.
stan1 Posts: 15230 Joined: Mon Oct 08, 2007 4:35 pmPost by stan1 » Sat Feb 16, 2019 7:52 am
fru-gal wrote: ↑ Sat Feb 16, 2019 6:33 am
I suspect that when you change your address, you're supposed to tell the state motor vehicle people and get a new drivers license issued.
Drivers licenses are issued by each state and each state gets to set their own peculiar rules. In my state you notify them online or using a form of your new address and you are supposed to keep your new address on a piece of paper you keep in your wallet with your existing drivers license. In fact they will not issue you a new license just because you've changed your address. If you want a license with your new address on it you would have to "lose" it and go through that process.
Warning: I am about 80% satisficer (accepting of good enough) and 20% maximizer Mike Scott Posts: 3725 Joined: Fri Jul 19, 2013 2:45 pmPost by Mike Scott » Sat Feb 16, 2019 8:56 am
If you have applied for and been approved for a credit card, they already have more information about you than they are asking you to send them for verification.
livesoft Posts: 87481 Joined: Thu Mar 01, 2007 7:00 pmPost by livesoft » Sat Feb 16, 2019 9:04 am
I've rented so many cars and checked into so many hotels that I assume my driver license is all over the internet already. Plus I have so many government IDs and coached so many youth sports teams that I've been background checked dozens of times.
This signature message sponsored by sscritic: Learn to fish.
Topic Author go_mets Posts: 794 Joined: Wed Oct 21, 2015 11:49 amPost by go_mets » Sat Feb 16, 2019 4:57 pm
Mike Scott wrote: ↑ Sat Feb 16, 2019 8:56 am If you have applied for and been approved for a credit card, they already have more information about you than they are asking you to send them for verification.
Which makes this request a bit ridiculous.
The credit card is going into the drawer, and I have redeemed my Quicksilver rewards as a statement credit.
Have other choices with credit card.
I received their letter today requesting that I call them.
And waste even more time verifying my identity just to speak about the issue?
No, that is not going to happen.
Call me if you suspect fraud. They have my telephone number.
Someone had used my Fidelity Rewards Visa credit card on Christmas Day to order groceries online.
I received a telephone call from Elan the credit card company.
Post by flamesabers » Sat Feb 16, 2019 6:02 pm
Normally I would expect banks would ask for ID before approving a credit card application, not after.
02nz Posts: 10878 Joined: Wed Feb 21, 2018 2:17 pmPost by 02nz » Sat Feb 16, 2019 6:08 pm
2015 wrote: ↑ Fri Feb 15, 2019 11:57 am Any credit card company that wants my photo will soon receive a request for cancellation. Never going to happen and I'm not interested in their "policies."
It's your photo so do what suits you. But face it, your credit company already has a ton of FAR more sensitive information on you than your photo.
02nz Posts: 10878 Joined: Wed Feb 21, 2018 2:17 pmPost by 02nz » Sat Feb 16, 2019 6:11 pm
I recently helped my dad apply (online) for a Capital One credit card. He then got a letter asking him to either call in or send a copy of driver license (there may have been other docs requested, I'm not sure). He called and answered some "authentication" questions (multiple choice questions on information they get off your credit report). That took care of it and he was then approved. Perhaps in OP's case someone forgot a step and they're just going back to dot their t's.
RetiredAL Posts: 4015 Joined: Tue Jun 06, 2017 12:09 am Location: SF Bay AreaPost by RetiredAL » Sat Feb 16, 2019 6:19 pm
cherijoh wrote: ↑ Sat Feb 16, 2019 7:43 am
If it meant as a fraud protection device, I'm not sure it would be justified/effective unless they plan to put your ID picture on the card. Yikes! I hope no one would recognize me from my driver's license photo. Especially a low quality copy of the picture.
I'm not sure they still do it, but for a while you could go to several of the larger BofA branches and they'd take your picture and put it on your debit card. But this was purely voluntary.
Many many years ago when a Credit Card company first started putting the holder's picture on the card, the SF TV station KPIX had one of their reporters use the card of another reporter that had a picture on it. As I remember it, it was reported that over several days, no one questioned why the picture on the card had ZERO resemblance to the person using it. That told me right there that this would be ineffective at stopping fraud.
Harbormaster Posts: 23 Joined: Thu Dec 25, 2014 8:34 amPost by Harbormaster » Sat Feb 16, 2019 6:35 pm
I have a nice mug shot of Foghorn Leghorn that I use for such requests.
Fintechnick Posts: 39 Joined: Fri Mar 17, 2017 9:47 pmPost by Fintechnick » Sat Feb 16, 2019 6:52 pm
Financial institutions have a regulatory requirement to ensure they verify identity for any new account. You’ll hear this called “KYC” (know your customer” or “CIP” (Customer Identify Program) in the industry. They require this for a new account even if you already have other accounts with the institution. If they don’t do this, federal regulators can impose very large fines (and have done so, so this is not a theoretical risk).
If you are opening up the account online, most of the larger banks will attempt to perform this KYC using electronic verification services. That means, in real time, they will take the information provide, and try to match that up against information they source from identify verification services. However, if anything doesn’t match 100%, or if there is other reason to believe that the account opening is a high-risk situation, they will fall back to requiring a government ID. Typically drivers’ license, passport, SSN card, etc. are all fine. They will require you to upload a scan, and then somebody in the back office will review the scan, do their best to confirm it’s not a fake (as best can be done with a scan), and confirm the information matches the proposed new account. The scan of the ID then becomes their documentation that they have conducted adequate KYC in case the regulators ever audit them.
In addition to the regulatory requirements for KYC, a new account opening is also a high-risk situation from a fraud perspective. So they are doing the KYC checks to try to prevent fraud as well. If you’ve ever had your identify information compromised, and a credit card account opened in your name, this represents a breakdown in the KYC process. The KYC processes aren’t 100% perfect in defeating fraud, but they are much more effective than you’d expect and manage to stop a large amount of attempted fraud. Unfortunately, with the downside of a little less convenience for you.
Bottom line, stop complaining and send in a scan of your government ID. Or else don’t expect to get a new account with that bank. This is life in 2019, you can go along with it or you can use cash. And if you use cash, you can still expect the bank to file a suspicious activity report on you for any large cash transactions ($10,000 or higher in a single or related transactions).
criticalmass Posts: 2908 Joined: Wed Feb 12, 2014 9:58 pmPost by criticalmass » Sat Feb 16, 2019 7:02 pm
fru-gal wrote: ↑ Sat Feb 16, 2019 6:33 am criticalmass wrote: ↑ Fri Feb 15, 2019 11:41 pm Earl Lemongrab wrote: ↑ Fri Feb 15, 2019 9:29 pm jacksonm wrote: ↑ Fri Feb 15, 2019 2:55 pmEarl Lemongrab wrote: ↑ Fri Feb 15, 2019 2:30 pm
That's not the intent. They just want additional verification that it's not identity fraud when the card is activated.
I wouldn't comply either. Given the number of problems with cards traced back to internal fraud, giving my ID to them doesn't seem like a good idea. I'd move on.
Do they have a picture to compare it with when they activate the card? If not, how could that be the intent?
It's not the photo, it's the driver's license information.My driving license has the address I lived at years ago when I obtained the license, not the address that I live at now. I get tired of banks etc. asking to see my license or a copy, then try to set my address to an old one.
I suspect that when you change your address, you're supposed to tell the state motor vehicle people Yes. Did that.Wrong. There is no requirement to purchase a new license every time you move in-state, in every state that I have lived in. Nor am I interested in doing so just to keep some clueless banker pacified. As long as you notify the DMV/MVA/RMV/xxx you have met your obligations. What state forces you to purchase a new license each time you change an address in state?
unclescrooge Posts: 6285 Joined: Thu Jun 07, 2012 7:00 pmPost by unclescrooge » Sat Feb 16, 2019 7:05 pm
jacksonm wrote: ↑ Fri Feb 15, 2019 12:19 pm Since credit card rules generally prohibit asking for an ID when making a purchase the only reason I can currently see for this is dispute resolution in cases where there is some sort of security camera available. Or do they intend to require all the machines at the check-out counter to eventually have security cameras?
Which rule is this? I have regularly been asked to provide an ID over the past 20 years. It's finally gotten better as my hair had started grey and I have toddlers hanging off me during check out.
2015 Posts: 2906 Joined: Mon Feb 10, 2014 1:32 pmPost by 2015 » Sat Feb 16, 2019 7:58 pm
02nz wrote: ↑ Sat Feb 16, 2019 6:08 pm2015 wrote: ↑ Fri Feb 15, 2019 11:57 am Any credit card company that wants my photo will soon receive a request for cancellation. Never going to happen and I'm not interested in their "policies."
It's your photo so do what suits you. But face it, your credit company already has a ton of FAR more sensitive information on you than your photo.
Can't argue with you there. I concur with Zuckerberg's statement that privacy is dead (probably long dead).
Epsilon Delta Posts: 8090 Joined: Thu Apr 28, 2011 7:00 pmPost by Epsilon Delta » Sat Feb 16, 2019 9:29 pm
Fintechnick wrote: ↑ Sat Feb 16, 2019 6:52 pm And if you use cash, you can still expect the bank to file a suspicious activity report on you for any large cash transactions ($10,000 or higher in a single or related transactions).
That would be a cash (or currency) transaction report. Suspicious activity reports are a completely different thing.
mariezzz Posts: 1153 Joined: Mon Oct 02, 2017 11:02 pmPost by mariezzz » Sat Feb 16, 2019 11:41 pm
Earl Lemongrab wrote: ↑ Fri Feb 15, 2019 2:30 pmjacksonm wrote: ↑ Fri Feb 15, 2019 12:19 pm Since credit card rules generally prohibit asking for an ID when making a purchase the only reason I can currently see for this is dispute resolution in cases where there is some sort of security camera available. Or do they intend to require all the machines at the check-out counter to eventually have security cameras?
That's not the intent. They just want additional verification that it's not identity fraud when the card is activated.
I wouldn't comply either. Given the number of problems with cards traced back to internal fraud, giving my ID to them doesn't seem like a good idea. I'd move on.
If they ask that of me, I'll suggest that they mail me the card & I'll superglue my photo to it. (Just kidding. I'd cancel. Capital One has done a couple things over the last few years that have really irked . despite the fact overall I like Capital One as a basic credit card. But demanding a photo will destroy our relationship.)
pdavi21 Posts: 1296 Joined: Sat Jan 30, 2016 3:04 pmPost by pdavi21 » Sun Feb 17, 2019 12:07 am
fru-gal wrote: ↑ Sat Feb 16, 2019 6:33 am criticalmass wrote: ↑ Fri Feb 15, 2019 11:41 pm Earl Lemongrab wrote: ↑ Fri Feb 15, 2019 9:29 pm jacksonm wrote: ↑ Fri Feb 15, 2019 2:55 pmEarl Lemongrab wrote: ↑ Fri Feb 15, 2019 2:30 pm
That's not the intent. They just want additional verification that it's not identity fraud when the card is activated.
I wouldn't comply either. Given the number of problems with cards traced back to internal fraud, giving my ID to them doesn't seem like a good idea. I'd move on.
Do they have a picture to compare it with when they activate the card? If not, how could that be the intent?
It's not the photo, it's the driver's license information.My driving license has the address I lived at years ago when I obtained the license, not the address that I live at now. I get tired of banks etc. asking to see my license or a copy, then try to set my address to an old one.
I suspect that when you change your address, you're supposed to tell the state motor vehicle people and get a new drivers license issued.
If you want to pay the $15 reprinting fee."We spend a great deal of time studying history, which, let's face it, is mostly the history of stupidity." -Stephen Hawking
mariezzz Posts: 1153 Joined: Mon Oct 02, 2017 11:02 pmPost by mariezzz » Sun Feb 17, 2019 12:39 am
In some states, you notify of the address change & you're allowed to simply write the new address on the back of the current drivers license. When you have to renew the license, the front gets updated.
snowox Posts: 520 Joined: Wed Nov 08, 2017 8:17 amPost by snowox » Sun Feb 17, 2019 6:07 am
I do CC churning as well and its common place to ask for inormation. I applied most recently for the Barclays Arrival Card and they would only approve me with a copy of MY DL, SS card and one copy of a utility bill. As i mentioned its become quite common. But i dont like it thats for sure.
Grasshopper Posts: 1229 Joined: Sat Oct 09, 2010 3:52 pmPost by Grasshopper » Sun Feb 17, 2019 7:07 am
I never have any room left on the back of my DL. I already have 4 dogs at this address and my medical air transport phone number in case I am incapacitated.
TravelGeek Posts: 4901 Joined: Sat Oct 25, 2014 3:23 pmPost by TravelGeek » Sun Feb 17, 2019 8:55 am
unclescrooge wrote: ↑ Sat Feb 16, 2019 7:05 pmjacksonm wrote: ↑ Fri Feb 15, 2019 12:19 pm Since credit card rules generally prohibit asking for an ID when making a purchase the only reason I can currently see for this is dispute resolution in cases where there is some sort of security camera available. Or do they intend to require all the machines at the check-out counter to eventually have security cameras?
Which rule is this? I have regularly been asked to provide an ID over the past 20 years. It's finally gotten better as my hair had started grey and I have toddlers hanging off me during check out.
See Question 3 on this page
for some info. I rarely get asked for ID, though in some cities (looking at you, Vegas) it is fairly common even for small amounts.
I always comply because (a) it is less painful than arguing about it and (b) I don’t mind doing this if it prevents/discourages some fraud.
I will, however, not allow copying of the ID or writing down information - just a quick look and name/photo check (exception: hotels in foreign countries where copy of ID is required by law)
snowox wrote: ↑ Sun Feb 17, 2019 6:07 am I do CC churning as well and its common place to ask for inormation. I applied most recently for the Barclays Arrival Card and they would only approve me with a copy of MY DL, SS card and one copy of a utility bill. As i mentioned its become quite common. But i dont like it thats for sure.
The Arrivals card is my most recent “acquisition” and it was approved without any hassle back in December. I already had the Aviator AA card.
