Are Stores Required To Ask For ID if a Credit Card Isn't Signed? | CreditShout

Are Stores Required To Ask For ID if a Credit Card Isn’t Signed?

By Kevin / November 30, 2010

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Q: I don’t like the idea of signing the back of my credit card, and I’ve noticed that some stores have asked to see my driver’s license when I make a purchase. Are stores required to do this if the back of the credit card is unsigned?

A: No, it is not a requirement that stores ask for identification if a credit card isn’t signed because it is the cardholder’s right to refuse to show identification. However, the store cannot deny the purchase just because the cardholder prefers not to show it.

Again, you can refuse to show your identification if a store asks you to before “running” your unsigned credit card. Many people do, citing privacy issues as the reason. Others don’t mind, because they feel it helps cut down on credit card fraud. It’s a personal decision, and one you are entitled to make.

Some people, rather than signing their name, will put something such as “Ask for ID” or “Will Show ID” or a similar phrase in the signature spot on the card. Others do both; that is, they sign their name on the card and put “Ask for ID” underneath it.

If store personnel seem adamant about asking for ID, ask them if something is showing up on your credit card, such as a “flag” for suspicious use or other indicator that something could be wrong. If this is the case, you may want to go ahead and show identification, then take down the information they have so that you can investigate further.

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