What is Digg?184 Comments
- inactive, on 10/12/2007, -1/+33LOL next purchase I make I'll draw animals on the receipt.
- vikkilea, on 10/12/2007, -0/+29Yes, but if you don't sign your card and someone steals it, the robber can make up a signiture, write it on the back, and when he goes to buy something... hey! the signitures match! how could that be?!
- kefs, on 10/12/2007, -3/+33i wrote 'Check Photo ID' on the back of my card.. they look at it, read it, and never ask..
- Suzilla, on 10/12/2007, -1/+20I write "Ask to see ID" on the back of my credit cards, and I say "Thanks for asking when the clerk does in fact ask to see ID.
The most bizarre episode, however, came one day when I needed to buy an AmTrak ticket. This was before the wide-spread use of the automated ticketing machines you seen in stations now. After handing the clerk my credit card he said he couldn't accept it since it didn't have my signature on it. I said "Yes, but it says to ask for ID." "Doesn't matter, sir, I can't accept a card without a signature on it." So I signed my name underneath where it says "Ask to see ID", and he then accepted the card -- WITHOUT asking to see my ID.
(What's in YOUR braincase?) - sinfree, on 10/12/2007, -9/+28http://duggmirror.com
- nibble128, on 10/12/2007, -3/+22http://72.14.253.104/search?q=cache:0NXYo63xW3QJ:www.zug.com/pranks/credit_card/+%22www.zug.com/pranks/credit_card/%22&hl=en&gl=us&ct=clnk&cd=1&client=firefox-a
google cache, now you can read beond page one (warning slow as hell)
btw why are people digging down the mirrors... in case you haven't noticed the original site is next to unusable! hell this is half the reasons i read the comments before I read the site... to see if I can find a mirror if it will be nessisary... where is the love digg? - metasin, on 10/12/2007, -0/+19"The trouble with Chip-and-pin is that some retailers refuse to accept your card if you forget the pin number"
why is that a problem? - inactive, on 10/12/2007, -0/+18I used to have a Debit card that read on the back:
"Just run the ***** card"
No one ever really made a fuss of it. I had one lady kind of snicker, but that was about it. - rkenward, on 10/12/2007, -0/+16i've signed as super man before and used the little s symbol.
- wstrucke, on 10/12/2007, -1/+17@klawz
You are correct that it's an issue between you and the issuer bank. The merchant, however, has a responsibility to check that you've signed the back of the card before they accept it, otherwise they can lose *their* license to accept credit cards. (see page 29 in the link below)
excerpt:
"Some customers write 'See ID' or 'Ask for ID' in the signature panel, thinking
that this is a deterrent against fraud or forgery; that is, if their signature is not
on the card, a fraudster will not be able to forge it. In reality, criminals don’t take
the time to practice signatures: they use cards as quickly as possible after a
theft and prior to the accounts being blocked. They are actually counting on you
not to look at the back of the card and compare signatures—they may even have
access to counterfeit identification with a signature in their own handwriting."
"'See ID' or 'Ask for ID' is not a valid substitute for a signature. The customer
must sign the card in your presence, as stated above."
@henrierose
You know, I've probably been on the other side of the counter from you at Barnes & Nobles -- you can ask for my ID all you want, but I DO NOT have to show it to you! It's one of those things that really gets under my skin. We can argue back and forth on it all you want, but check the link below (which your manager should be familiar with anyway) and read it in black and white.
If I present a credit card and the dates are valid and the card is signed, you have to swipe it. I don't have to give you anything else. If you and your manager won't accept that, I'm obligated to report you to the bank.
Excerpt (page numbered 29 in the document, actual page 34):
"When should you ask a cardholder for an official government ID? Although Visa
rules do not preclude merchants from asking for cardholder ID, merchants
cannot make an ID a condition of acceptance. Therefore, merchants cannot
refuse to complete a purchase transaction because a cardholder refuses to
provide ID. Visa believes merchants should not ask for ID as part of their regular
card acceptance procedures. Laws in several states also make it illegal for
merchants to write a cardholder’s personal information, such as an address or
phone number, on a sales receipt."
http://usa.visa.com/download/business/accepting_visa/ops_risk_management/rules_for_visa_merchants.pdf
For those of you wondering, mastercard has an almost identical policy as Visa.
Both companies also state that it violates their policies to have any kind of minimum charge to use a credit card. If there's no minimum for cash, there can be no minimum for credit. A TON of places completely ignore this policy. My personal goal is to eliminate both of these practices at every merchant in town... it's gonna take a while. - inactive, on 10/12/2007, -0/+14I haven't signed my name to a credit card receipt in ages. I usually just write "I like pie", because who doesn't like pie?
- gnomeh, on 10/12/2007, -1/+14Work as a cashier sometime anyone?
I do. You don't have time to sit there and analyze everyone'e signature. Between dealing with *****, old people and foreign people... I just want to get you people out the door.
I DO ask for ID tho if its not signed or if its says ASK 4 ID on back and I have refused to put thru a credit card because they didn't have ID. - kylebrothert, on 10/12/2007, -0/+13drinkGreen is correct. Anyone can steal your card, glance at the signature, and start imitating it (it doesn't need to be exact).
Writing "See ID" on your card won't do much either. A thief still has several ways to use it:
1. Shop online (The 3-digit CCD is printed on back, and they can look up your address in a phone book for verification).
2. Use it somewhere the clerk doesn't touch it (First thing many thieves do is fill up their gas tank).
3. Smudge the signature area, then re-sign it however they want.
In my opinion Credit Card Security sucks. But, I'm not worried about it, because the bank (or card company) takes the hit. In most cases, a stolen card won't cost you a dime. But it's annoying. - shawnlane, on 10/12/2007, -2/+14Even though this is humorous. It certainly shows how easy it is to use a stolen credit card. Places really do need to check the signature or ask for ID. Great work in putting this together.
- Otto, on 10/12/2007, -1/+12Suzilla: Actually, that's what every single clerk you gave that card to should have done. It's actually in the terms of service for Visa/Mastercard. They are supposed to make you sign the card right there in front of them, or reject the card completely. "Ask to see ID" is not valid and a merchant is not supposed to accept it.
- inactive, on 10/12/2007, -0/+10in the UK the seller will not get his money back if the signature isn't similar (and it's fraud), so they check you very carefully. Saying that, they just switched to the PIN system so no more signing for anything...
- FyreGoddess, on 10/12/2007, -2/+12I've done that and many places actually *did* ask for my photo ID.
And then I started getting people telling me that an unsigned card was invalid, so I signed it, but still had "Ask for ID"... and then it was that anything written on the back of a credit card rendered it invalid. A bunch of places refused to take my check card as a credit card.
But those who did usually asked to see my ID... - Terc, on 10/12/2007, -0/+10Because you simply can't stop reading after the first page.
Sorry if you don't use Firefox...
http://72.14.253.104/search?q=cache:0NXYo63xW3QJ:www.zug.com/pranks/credit_card/+%22www.zug.com/pranks/credit_card/%22&hl=en&gl=us&ct=clnk&cd=1&client=firefox-a
http://72.14.203.104/search?q=cache:7P5ZiX-AMYwJ:www.zug.com/pranks/credit_card/index2.html+site:http://www.zug.com/pranks/credit_card/index2.html&hl=en&gl=us&ct=clnk&cd=1&client=firefox-a
http://72.14.203.104/search?q=cache:VogFylySCucJ:www.zug.com/pranks/credit_card/index3.html+site:http://www.zug.com/pranks/credit_card/index3.html&hl=en&gl=us&ct=clnk&cd=1&client=firefox-a
http://72.14.203.104/search?q=cache:D0WWKCaELtcJ:www.zug.com/pranks/credit_card/index4.html+site:http://www.zug.com/pranks/credit_card/index4.html&hl=en&gl=us&ct=clnk&cd=1&client=firefox-a
http://72.14.203.104/search?q=cache:T8MLOpkFyAkJ:www.zug.com/pranks/credit_card/index5.html+site:http://www.zug.com/pranks/credit_card/index5.html&hl=en&gl=us&ct=clnk&cd=1&client=firefox-a - _Caboose_, on 10/12/2007, -0/+9His first experiment: http://www.zug.com/pranks/credit/
- inactive, on 10/12/2007, -1/+9I always wanted to charge a negative tip and see if I could subtract it from my bill, haha.
- elroy, on 10/12/2007, -0/+8Nobody checks your credit card signature until you dispute the charge. That's what it's for.
- inactive, on 10/12/2007, -0/+8The signature on the back of your card is you agreeing to the contract with the card company.
I sign for things as Mace Windu, though. Being a 5' 10" 250lbs Irish guy, that name is perfect for me. - klawz, on 10/12/2007, -1/+8The signature has nothing to do with the place being able to accept the card or not, it's 100% an agreement between you and the card issuer (bank). If you'd care to read what you're signing, you'd all know this by now. Same as what's on the receipt that you're supposed to sign. Just having the card is good enough for the RFID, it's no different (other than level of risk and % the company pays visa/mc/discover/amex) to accept w/ or w/o card present, and the RFID does a bit more than just "transmit the cc number", look it up.
- inactive, on 10/12/2007, -1/+7Ha! I'm going to start using my real last name like that... "Agent {lastname}"
- inactive, on 10/12/2007, -5/+11Believe it or not, and not many people know this, writing "Check for ID" on the back of the card makes your card invalid and places cannot legally accept your card.
- sifuchar, on 10/12/2007, -0/+6My wife had her purse stolen from a restaurant a few years back. I called one of the stores the thieves visited where they bought two Playstations, and a whole bunch of other electronics. The clerk told me he ID'd the girl .. by holding the card behind his back and making her tell him what name was on it! He was trying to say it wasn't his fault, but I don't think he realized that MasterCard and Visa will just charge it back to him.
- ApplCmptrDood, on 10/12/2007, -0/+6at those virtual siganature things, my mom has been signing hers as Daffy Duck for quite some time.
- trshtehdsh, on 10/12/2007, -0/+6I've done this a few times at Walmart self checkout lanes."Moo" "Go Steelers" and pictures of cows all got the OK.
The last time i did it tho, i wrote a particularly profane word that begins with an "f" followed up by "yo momma"
Welp. The system locked down and needed a CSM (or whatever they are) to verify my signature against my driver's license. She threw a fit, saying they could press charges for profanity and whatnot. She called her manager over for a final say on the decision, and this lady (older, wiser looking) didn't give 2 craps. She said to get the real signature and not to do it again. By then i'd already hit the "signature verified" button and the deal was done.
So, those scanners may or may not have letter/word recognition. I suggest avoiding profanity. - capitocapito, on 10/12/2007, -0/+5Or, the thief could just draw the musical notation to "The Poo Song." It worked for this guy, apparently.
- noodlez, on 10/12/2007, -0/+5google caches of page 2, couldn't get a page 3.
http://72.14.209.104/search?q=cache:7P5ZiX-AMYwJ:www.zug.com/pranks/credit_card/index2.html+http://www.zug.com/pranks/credit_card/index2.html&hl=en&lr=&strip=1 - zlyoga, on 10/12/2007, -0/+5they usually have a thing that shows up forthe person running the register too look at and compare to the one on the card. Thats how it was when I worked at CVS. They never told me what to do if it didnt match. But it never was an issue
- cal0140, on 10/12/2007, -0/+5um, that IS how they are programmed... it doesn't actually know if that's your signature
- inactive, on 10/12/2007, -7/+12lately I have noticed a pattern: I will think of a story I have seen on slashdot maybe 1-3 years ago, and the next day it is featured on digg. This has happened several days in a row.
I didn't read this story, but is this the one where he draws all sorts of stuff on recepits and finally at best buy when he tries to buy a tv they reject it, beacuse he said something like "void this"? - danhugo, on 10/12/2007, -0/+4My signature looks EXACTLY like "Check ID Always"
- bilton, on 10/12/2007, -1/+5This is a neat experiment. Actually, this was my first submission that made it to the homepage almost 2 years ago. In fact, Kevin Rose mentioned this story on The Screensavers shortly after it made it to the homepage (when he was using Digg for on-air material). DUGG!
- normalizer, on 10/12/2007, -0/+4I didn't read every response, so forgive me if it's already been covered....
I am a clerk at a US Post Office and we are not allowed to accept any credit card unless it is signed. Most people don't check and will take anything, for no other reason than to avoid an argument with the customer, but I do follow this rule. This is not a USPS policy, it is a contractual requirement of ANY merchant that accepts credit cards. The card is not valid until you have accepted it by signing it. Yes, lots of bank employee's tell customers not to sign them but they are giving out bad info. It says very plainly on the back of almost every card made, NOT VALID WITHOUT AUTHORIZED SIGNATURE. If you present an unsigned card, VISA/MasterCard require the card be signed in front of us and presented along with two forms of picture ID so that we can compare signatures. Fail to do so and the merchant is not allowed the take the card.
As to not legally being able to require ID, that may be true - but we are not legally required to accept the card either. The only form of payment ANYONE ever has to accept is cash money. - tjdoom, on 10/12/2007, -0/+4This was mighty hilarious.
- romulusnr, on 10/12/2007, -0/+4It never ceases to amaze me just how much ancient ***** makes its way onto the Digg front page. It's like all the Digg gamers just hopped on the Net a week ago.
Anyway, to be OT... I recently had to fight for months with Mervyn's (GE Money Bank) to overturn two false charges. They sent me copies of receipts with a signature that didn't even have my name, much less not be my signature, and insisted that this closed the matter and that I was still on the hook. Eventually I got someone who gave a damn (and was, uh, domestic) and he was the last person I had to talk to before the matter was settled correctly. Clearly no one (at least no one who can read Roman cursive) looked at the slips, though they sent them to me saying "Here's the signed slip, it's legit." - pharcide, on 10/12/2007, -0/+3this is kinda dumb, i mean the definition of signature is: A distinctive mark, characteristic, or sound indicating identity
So if my signature is a happy face or a huge fat woman, who's to say i can't put that on my receipts.
only if it says sign your name will i... sign my name! - warbird, on 10/12/2007, -1/+4nice find! 5 years ago
- ZapWizard, on 10/12/2007, -1/+4I am also a "Please ask for ID" user, I am amazed at some of the clerks who turn the card over, read it...realize it's not a signature...read it closer... stare at me....then hand the card back without a word.
Fry's electronics always asks, regardless of the purchase price, but only after they swipe your card. Guess they can always void it later. - Araya213, on 10/12/2007, -0/+3I've been signing mine as Dr. Yager for years now. I am not a doctor, nor is my name Yager. It's just that it really doesn't matter one way or another. I've only been ID'd using a credit card 1 time in the decade that I've been using them exclusively. They wonder why credit card fraud is such a lucritive activity, there are very few safeguards in place against fraudulent usage.
- Almadiel, on 10/12/2007, -0/+3In theory any unique mark can make a valid signature. As long as you can positively recognize it.
- Otto, on 10/12/2007, -0/+3Actually, for a Card Present transaction, the merchant has no liability at all. The risk is all on the issuing bank. The merchant is only liable if they cannot produce the signed slip, but not if the signature does not match.
- TVarmy, on 10/12/2007, -0/+3I believe Salvador Dali did this on the backs of his checks when he was too low on cash to pay for the fancy dinners he would eat with other celebrities so that no one would ever present the check as they believed his doodles would be worth more than the amount the check was for. Thus, he evaded debt for quite a while this way. I hear it didn't last, though.
I don't know if this is real. Could just be an urban legend. I always liked this story, though. - jtp8736, on 10/12/2007, -0/+3I'm a bit curious about what part of the country people are in where they look at the sig or ask for ID. In TX and TN, nobody every looks or asks, including Fry's.
- Amplix, on 10/12/2007, -0/+3I used to work as a cashier and often times the merchange keeps the signed copy and the customer copy may or may not have a space to sign. In any case this guy could have looked through his copies and drawn all these things in one day to make this article... Just a thought.
- inactive, on 10/12/2007, -0/+3Signing your receipt is not a security measure, it is just a proof that YOU purchased the item. If later you claim the purchase was fraudulent, they can pull up the original receipt from their records and show the credit card company that YOU signed the receipt. It can also be used as evidence in court.
- Moria, on 10/12/2007, -1/+4Chip and Pin all the way!
- osirisx01, on 10/12/2007, -0/+3"So does Circuit City," I said. "And many of theirs are actually in stock."
that's great.. -
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