| My philosophy on credit cards |
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There are three kinds of people that use credit cards.
- The people that sign the back of their cards
- The people that write "see ID" on the back of their cards
- The people that never sign or write anything on the back of their cards
The first two don't bother me at all. Businesses are supposed to verify your signature. That's why you sign the credit card. Writing "see ID" is good as long as you remember to have your ID with you to present when asked. Though this isn't my choice because many places won't accept a card without an actual signature. The credit cards do actually state right on them that they are "not valid unless signed".
Now, what do I think of the third type of people?
I think these people are either stupid or naive. I don't say this to be cruel, but these people are just begging to have there cards stolen and used because they have nothing on the back. I've heard this more times than I can count, "I don't sign it so that people will be forced to ask for my ID."
That's all well and good as long as no one takes your card. Do people think that a thief will leave the back of the card unsigned? I sure don't. The first thing a thief will do is look at the name on the front and sign that name in his handwriting on the back of the card. That means the thief now has your card with a signature on the back. No one will think twice about letting him use it. No one will be forced to ask for an ID.
I met a guy once that was a big wig at a major bank. He came into the store where I was working. He commended the cashier for asking for his ID when he handed her an unsigned credit card. He informed us that he tells all his clients to not sign there cards.
I couldn't believe it. Did he realize he was giving bad advice? I don't think he did. All he knew was that when a card isn't signed, people ask for an ID.
Personally, I think that businesses should not ask for ID in this case because an unsigned card obviously must belong to the person using it. If a card is signed it either belongs to the person holding it, or it's been stolen from a very stupid person.
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| Posted: 4/15/2008 at 1:28:11 PM | Read 29 times | 0 comments | Leave Comment |
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