Water Cooler – Credit Cards & Your I.D.

January 12, 2022 12:00 pm · 36 comments

The Water Cooler is a feature on Claycord.com where we ask you a question or provide a topic, and you talk about it.

The Water Cooler will be up Monday-Friday at noon.

QUESTION: When you use a credit or bank card, how often would you say the employee taking the card checks your ID?

Talk about it….

Future Catlady January 12, 2022 at 12:01 PM

Honestly, I cannot recall the last time I was asked for my id when making a credit card purchase.

Simonpure January 12, 2022 at 12:02 PM

Never with the exception of Luigi’s deli. They always ask.

reekorizzo January 12, 2022 at 12:03 PM

Ever since the chip cards came out they never do anymore. They used to all the time.

JJ January 12, 2022 at 12:05 PM

Haven’t been asked for ID in years.

Exit 12A January 12, 2022 at 12:15 PM


Gittyup January 12, 2022 at 12:16 PM

Never have been asked for ID when using a credit or bank card, but I wouldn’t object if it would cut down on this type of crime. I also would be more than happy to show ID to vote.

Dawg January 12, 2022 at 12:16 PM

I always pay with cash. I’ll use a credit card for expensive items like a TV or an appliance because there is added protection using a credit card. The last time I used a credit card was about four years ago, and they did not ask to see an ID. As for a bank card, and I’m assuming that means an ATM card, I have never used one for any kind of purchase. If a hacker ever gets a hold of a person’s ATM info, they can wipe out that person’s bank account, and that would create a nightmare.

Captain Bebops January 12, 2022 at 12:18 PM

They seem to have stopped doing that long ago. Most places I shop have self check which I use because I only have a few items. Most cards require a PIN number anyway.

WC January 12, 2022 at 12:26 PM


wave January 12, 2022 at 12:27 PM

For local grocery stores & local other retailers, I have never been asked for my ID…

Bobohead January 12, 2022 at 12:30 PM

Never – and they don’t need to. Credit card fraud monitoring has evolved to accommodate for so many things (online purchasing, pay at the pump, apple pay and android pay). There’s no point to having someone check ID when paying with a credit card. And if you still sign the back of your credit card, thats a mistake too.

miguel January 12, 2022 at 12:41 PM

It has happened maybe 8 times since I began writing “please ask for ID” on my cards. I started doing that back in 1997.

Roz January 12, 2022 at 12:42 PM

Rarely use Card. Just for big ticket items and auto repairs.
Don’t remember the last time anyone asked for ID.

WC Resident January 12, 2022 at 12:42 PM

I never sign my debit/credit cards but instead write in “Check ID” in the signature box. I don’t think anyone has ever noticed. Sometimes someone asks for ID as part of a transaction but I suspect 99% of the time they are gathering data about customers for resale to “big data” vendors.

Badge1104 January 12, 2022 at 1:10 PM

I do the same!
Sometimes get asked in a restaurant where they take your card away from you to run it, they will ask for the store counter no they don’t even look at the back of the card.
Maybe we should write it and felt pain on the front of the car too.

Dawg January 12, 2022 at 3:26 PM

@Badge1104–It doesn’t take much time for a crooked restaurant worker to write down your name, credit card number and the CVV number (security code.) It’s a good idea to never take your eyes off of your credit card.

nytemuvr January 12, 2022 at 4:46 PM

@Dawg….That’s old school, they can just snap a picture on their phone now.

Cowellian January 12, 2022 at 5:29 PM

That happened to my wife a few years back. She bought popcorn at a movie theater and the kid kept her card long enough to get her information. That night, he ordered all kinds of games and accessories to be delivered to his house.

Martinezmike January 12, 2022 at 12:53 PM

I watched the jerk at the gas station check, but the thieves still got away with using Mrs Nusbaums credit card.

jprcards January 12, 2022 at 1:25 PM


Dorothy January 12, 2022 at 1:26 PM

Not in ages. And I put on the signature line “please request ID.”

Jacknife925 January 12, 2022 at 1:28 PM


Kentucky Derby January 12, 2022 at 1:36 PM

I’ve never been asked for ID, even prior to self-checkout. Since they don’t look at the back of the card, writing “check ID” is useless. Checking ID at a place that still runs the card themselves would help by asking at their own discretion for ID, whether it says
“check ID” or not. It would stop the thief from using the card because they would decline the sale and call the police.

Randy January 12, 2022 at 2:20 PM


Bad Nombre January 12, 2022 at 2:32 PM

Apparently with me they are afraid to ask.

Anonymous January 12, 2022 at 2:39 PM

Once in 35 years that I remember.

Antler January 12, 2022 at 3:09 PM

Never…. at least not since the scan patch was added to the cards.

Jeff (the other one) January 12, 2022 at 4:40 PM

Cannot recall the last time, at least several years. Heaven forbid anybody be asked for an ID these days. These days, though, we just put the card into the reader ourselves, with stores theoretically removing any liability (at least, that is my take, I acknowledge I may be way off). Besides, I think in this state, it is easier to just walk in and, without consequence, take something (or some things, all under $950) than it is to remember, or even write down a 16 digit number, a 3 digit number and a name.

Hanne Jeppesen January 12, 2022 at 6:58 PM

The chip is suppose to be more secure. I remember Michael Finney, KGO consumer advocate, wondering why it took the US so long to get the chip, since it’s more secure than swiping the card. Europe had it before we did. One year when l was in Denmark and wanted to use a credit card, l was asked for a pin, which l didn’t have since we don’t need it here. Then when l had my purse stolen at Macy’s a few years ago, my credit card company rejected a couple of purchases, Target and a gas station, because they didn’t fit my normal buying pattern. However, when l lost my keys to my car and wanted to pay the locksmith with my credit card, it was not approved, because it was an unusual charge, it was late at night after midnight l think and l was at Stanford shopping center trying to get back to Concord, fortunately another card company approved the charge.

TPC January 12, 2022 at 7:37 PM

I am almost never asked for ID when making a card purchase. The last time I can recall, not too long ago, was at Monument Wines and Spirits when I presented my spouses card. I thanked the guy for checking and was vouched for by another employee who knows me there. I also agree that not signing your name on the back is wise…there goes your signature to whomever may wish to forge it. On a side note, I got a notice from my bank the other day that my card was temporarily suspended due to a questionable purchase. I had to verify that I did indeed make that purchase, and the card was reactivated.

Doh January 12, 2022 at 8:51 PM

Never, I have an honest face.One chain doesn’t even ask for my signature. It’s a store I frequent and the bill is small.

PESFG January 12, 2022 at 9:15 PM

When I used to work retail, I would always ask customers for their I.D but they would get angry and complained saying that they were being harassed and accused of stealing. Well, in more than one occasion, the police were involved because some people were in fact using a credit card that didn’t belong to them; there was even a foreign customer with fake documents who was caught by the police. Yeah those were the days when police and the justice system weren’t releasing the poor criminals.
On the other hand, there were those customers who were very appreciative of me asking for their I.D and looking to see whether the signatures matched. They became frequent customers and waited for me to help them. Fond memories.
I also had customers trying to pass fake bills, but that wasn’t part of the question.

hanne jeppesen January 13, 2022 at 12:28 PM

There are machines where you can run bills through and the machine will say fail or pass, problem is if the bill is crumpled etc. the machine will often say fail, sometimes if you keep running the bill through it might pass. One of my co workers are very diligent, and run even $20.00 bills through, if a customer is paying a $200.00 charge with 20 dollar bills, it can really hold up the line if we are busy. However, I give her kudos for going by the book. I usually only do $50.00 and $100.00 bills.

Savagette January 12, 2022 at 11:00 PM

So long ago, I can’t even remember when.

X cashier January 13, 2022 at 5:54 AM

The credit card companies used to give cashiers rewards for checking id and confiscating stolen cards but people started beating up cashiers for taking the card or even refusing the sale so the credit card companies stopped that practice.

tony January 18, 2022 at 11:23 AM

Is this post encouraged by our Chief Diversity Equity officer in an effort to push their agenda forward for Digital IDs. Projects like https://www.everest.org/ who are partnering with ID2020 which is run by Bill Gates seem to be their end goal to have total control over us. Don’t fall for it.

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