Ask for ID

[Jaybird180]

When I worked retail many moons ago, my manager scolded me for asking a customer for ID. I was educated that if the card is signed the merchant can be fined if the customer complains.

Yesterday at Wallyworld, the cashier asked for ID from me after the person in front had difficulty with their card (suspected fraud). Is it still true that they shouldn't ask for ID with a signed card?

 

[Jim Logajan]

It's a credit card. You're not liable for the fraud anyways.

My understanding is that you can be held liable for up to $50 if the activity is not reported; if your plastic is really a debit card then the liability can go up to $500 if the activity is reported within 60 days, otherwise the liability of the debit card holder is unlimited.

 

[Jim Logajan]

This is actually incorrect. With a Visa debit card you are limited to ZERO liability for fraud.

I am correct - I was paraphrasing this:http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre04.shtm

You appear to referring to one company's policy. I was referring to applicable federal laws.