| T.R | Title | User | Personal
Name | Date | Lines |
|---|
| 957.1 | Good idea, but not new | 31906::DOTEN | | Tue Oct 17 1995 15:48 | 5 |
| I've had my picture on my Citibank Preferred VISA card for years now.
They promoted this heavily back when they first started doing it at
least 3 years ago.
-glenn-
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| 957.2 | Smile.... | WAYLAY::GORDON | Screeching halt! | Tue Oct 17 1995 17:36 | 12 |
| Worcester County National Bank did it in 1978 when I got my first
MasterCard. Cambridge Trust Company did it in 1983 or so when I switched to
them. (I gave them up when they wouldn't waive the annual fee and I got a letter
stating that "now that I lived out of their service area, perhaps I should
consider changing card providers.")
I liked having it. It was a bit of a pain to go into Cambridge every
two years to have your picture taken, especially when I had stopped working
there. How does CitiBank deal with it or must you supply your own
(passport-style [?]) picture?
--Doug
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| 957.3 | | FBEDEV::KYZIVAT | Paul Kyzivat | Tue Oct 17 1995 20:04 | 15 |
| > I liked having it. It was a bit of a pain to go into Cambridge every
>two years to have your picture taken, especially when I had stopped working
>there. How does CitiBank deal with it or must you supply your own
>(passport-style [?]) picture?
That would be a pain. I don't know, but isn't there a new card making
process which digitizes your photo and stores it online as well as printing
it on your card. (I thought they had proposed using this for MA drivers
licenses.) This would allow subsequent cards to be issued using the same
photo.
While I like the idea, I don't like it enough to pay any significant amount
extra for it.
Paul
|
| 957.4 | | 31906::DOTEN | | Wed Oct 18 1995 08:26 | 17 |
| > I liked having it. It was a bit of a pain to go into Cambridge every
>two years to have your picture taken, especially when I had stopped working
>there. How does CitiBank deal with it or must you supply your own
>(passport-style [?]) picture?
When Citibank started this I had to send in passport type pictures.
Since then, they've used the same picture - no renewing the picture.
Also, my signature that I sent in with the picture has been digitized
and placed on the card so that if the card is lost or stolen when they
mail it to me someone can't just sign it and try to use it (assuming
they could try and look like me also!).
There's no extra fee for Citibank to put your photo on their card. In
fact, my Citibank card's rate is quite a bit lower than DCU's and it
has no annual fee.
-glenn-
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| 957.5 | why have one? | NPSS::NPSS::BADGER | Can DO! | Wed Oct 18 1995 08:58 | 14 |
| 20/20 did a story on this. They had a white american go charging
using his bosses Asian photo visa card. I think they were able to
charge at 8 out of 10 places they went to. When they asked the other
places that accepted the charge card, they said the picture wasn't
important, only the ok they got when they ran the card.
For the card holder, there is no benifit to having the picture on the
card. You will be liable for the first $50 illegally charged.
Why have a picture on the card?
ed
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| 957.6 | In fact, the picture causes more people to check | 31906::DOTEN | | Wed Oct 18 1995 09:18 | 20 |
| > For the card holder, there is no benifit to having the picture on the
> card. You will be liable for the first $50 illegally charged.
>
> Why have a picture on the card?
It's not obvious? So that people can look at the picture and signature
to make sure the card belongs to the person using it. Granted, people
who should don't check the picture and/or the signature 100% of the
time, but some do and at least they can ensure that the person who owns
the card is using it. In fact, my experience with the picture on the
card is that many more tellers take the card, see the picture, and
exclaim something like "oooohh, you're picture is on this card! Let me
see if that's really you!". They're kidding around but they do indeed
check the picture and look at you to see if it is you.
What will you ask for next? To have no signature on the cards either?
-glenn-
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| 957.7 | | QUARK::LIONEL | Free advice is worth every cent | Wed Oct 18 1995 11:24 | 13 |
| I know the idea is not new - I just said that Citibank is heavily promoting
it, which is true.
I find most merchants don't even look at the signature - many hand me back the
card before I sign it! (100% of the time in restaurants.) Yes, all they care
about is whether it gets authorized. But I do think it would have some
effect of reducing misuse in case it is stolen.
My signature has changed lately - I don't know why. I am starting to get more
requests to look at my drivers license when I sign a charge slip. At least
this shows that SOME merchants are checking.
Steve
|
| 957.8 | Photos, Yes! | SNAX::PIERPONT | | Wed Oct 18 1995 12:40 | 25 |
| I too had the 'picture on the back of the Worcester card' in the late
70s. The took a Polaroid shot and lamenated it the back of the card
after you signed it.
One of my Citibank cards has a picture I submitted 4 years ago.
With some regularity, Citibank includes either a mailer or a 'tear off
the back of the payment envelope' form and you can submit new photos
and add other accounts.
Why??? I have a female friend [white] that loaned her car to a balck
male to make a single purchase. He not only made that purchase, but
then went on to charge in excess of $25,000 in expenses [including 7
rental cars for 6 additional friends at the same time!] When
questioning the card issuers [2, AMEX and Diners] they indicated that
the people at the counter had the card approved electronicly. The
counter people never questioned why none of the people had any ID to
match the car!. Yes, she did lend the card and was the liable for ALL
CHARGES, no limit. Female/Male and White/Black are real and do not
indicate any feelings about the population as a whole.
My photo card I NEVER sign and I only show the photo as the validation.
I have yet to be refused.
Howard
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| 957.9 | | NPSS::NPSS::BADGER | Can DO! | Wed Oct 18 1995 12:51 | 18 |
| re .6 by doten
perhaps you failed to read my WHOLE original note.
I'm not *asking* for anything.
I wondered why since at least one study/story indicated a person who
looks totally unlike the person pictured on the card was able to use
it 8 out of 10 times.
furthermore, having a picture on the card does not lessen my liability
should the card be illegally used.
many times I've failed to sign the card and used it successfully until
a clerk tells me about it, then I sign the card in front of the clerk
and there is no problem except how the clerk has trusted me to be me.
I'd rather DCU spend more effort on guaranteeing that when the card is
presented that it is actually honored [see other notes regarding this
topic].
ed
|
| 957.10 | Nothing's perfect | 31906::DOTEN | | Wed Oct 18 1995 15:01 | 13 |
| RE: .9
Yes, I read the whole note.
> looks totally unlike the person pictured on the card was able to use
> it 8 out of 10 times.
But if the picture stops at least those 2 times, it's worth it. What's
wrong with the DEFCU going for the picture if it'll at least stop
some (certainly not all) of the illegal usage of these cards?
-glenn-
|
| 957.11 | | CSC32::BROOK | | Wed Oct 18 1995 17:17 | 9 |
| It is interesting to note that a lot more places are actually looking at
the signature than just a few years ago. It basically means that these
companies are getting hit with disputed charges. Those who don't either
accept a certain level of wastage (for which we all pay) or haven't had
many disputed charges.
One of the worst places for not checking signatures is gas stations.
Stuart
|
| 957.12 | one story... | STAR::tryst.zko.dec.com::Rozett | We're from different worlds, mine's EARTH! | Thu Oct 19 1995 12:03 | 13 |
| My wife is a Customer Service Supervisor for JCPenney in Salem, NH. It is
JCPenney policy that signatures will be verified on ALL credit card transactions.
If there is ANY question about the signature then they will ask for a picture ID.
For JCPenney credit cards, you can specify in the database that the card is for
'husband' only or 'wife' only use. This will prevent the spouse from using the
cards in the event of a 'domestic' dispute.
Any sales associate that fails to comply is written up (for the first offense) or
worse. She said that they work hard at loss prevention from misuse of credit
cards.
//bruce
|
| 957.13 | Margaret n.e. Kevin | NEMAIL::KGREENE | | Thu Oct 19 1995 16:02 | 11 |
| My wife 'lent' me her Eddie Bauer charge card recently to purchase a
back back for our son. The card is in her name, with her signature on
the back. She's had it for a few years, so I don't recall if there was
anything on the original application regarding spousal ok or not.
I signed my name to the charge slip, then the sales clerk asked to see
my license. It appeared that she compared my wife's signature on the
charge card to my signature on the license. She gave both back to me
along with the purchase, and thanked me.
Kevin
|
| 957.14 | my two cents worth... | SLUGER::DAVIDSON | Lenny Davidson - Boston MCS | Mon Nov 13 1995 20:08 | 9 |
| My wife works in the restaurant business, and had previously worked
in retail. Somewhere in her experiences she started writing "ASK FOR
ID" in the signature area of the credit card. It's like a game to her
to see how many clerks, etc... ask to see ID.
As was mentioned previously, if the person doesn't check, all
safeguards are pretty useless.
Lenny
|