Archived posting to the Leica Users Group, 2000/12/17
[Author Prev] [Author Next] [Thread Prev] [Thread Next] [Author Index] [Topic Index] [Home] [Search]I can't speak for the situation outside the US, but here: In the US the situation where your card number has been used fraudulently has changed in recent months. Both MasterCard and Visa changed their policy early this year. Before the change the legitimate cardholder was responsible for the first $50. However, with the change the liability to the legitimate cardholder is zero. I can't speak for Discover or AmEx but I believe the rule to be the same. Merchants are responsible for determining that the person making the purchase is the same as the person whose name is on the card. Even over the phone it is a simple matter for merchants to determine that the purchaser is actually holding the card and not just using a stolen number. The cardholder is responsible for safeguarding the card, reporting it lost or stolen, or contacting the issuer if he (she) believes that fraud has been attempted. Merchants seldom verify the ownership of the card. I use my debit card several times a week and maybe once in ten uses does the clerk make any attempt to verify the signature on the card with the signature on the draft. Once I asked (insisted) that the clerk verify my signature and he became very huffy, as though I was questioning his integrity. And I don't believe I have been asked for a second form of ID containing a picture once this year. When a merchant has to eat a fraudulent purchase it is because the merchant has failed to carry out his (her) part of the procedure. Dave At 09:22 AM 12/17/00 -0800, you wrote: >> A Belgian internet shop, where I had ordered securely, sent me a >> confirmation of the order with credit card number included via a >normal >> email message today !! > >I'd call them back and ask to speak with a supervisor. Depending on >how pissed off I was combined with what response I got, I'd consider >cancelling the order. If they're that careless with customer >information, do you really want to do business with them? > >That said, depending on your local laws, it may not be that big of a >deal. In the US, if somebody obtains my credit card number and uses >it to make fraudulent purchases, the merchant is the one out the >money. If a merchant hasn't seen the physical card and doesn't have a >receipt with a signature, the customer isn't liable at all. If you've >lost your card and somebody forges your signature, then you're liable >up to certain amounts, depending on how quickly you report your >lost/stolen card. > > >__________________________________________________ >Do You Yahoo!? >Yahoo! Shopping - Thousands of Stores. Millions of Products. >http://shopping.yahoo.com/ > > Dave Richards dprichards@qwest.net - -------------------------------------------- Note: If you have emailed me at: dprichards@uswest.net Please change your address book entry to my new address: dprichards@qwest.net