21–30 of 541 posts
Also please make handing me a receipt extinct too or only if requested. Especially at drive thru(s) where the receipts become trash I later have to do work .. aka clean up this annoying trash in my car.
It would be nice if they would start requiring a PIN.
The kind of fraud prevented by a PIN enabled chip card is supposedly pretty rare. What would be more useful is a standard for browser attached chip card readers to bring the anti-fraud protections of a chip card to everyday Internet transactions.
It turns out that a signature on a bank check means nothing. Neither does the payer name on the check. Not the amount in cursive. Nor does the check paper. The only things that are checked are the digits of the amount, and the account number. The rest of the check can be complete garbage, and the check will go through and the bank will pay it. Then the banks will blame you, the account holder. I learned this the hard…
Earlier quoted context omitted.
Most of the time a signature isn’t for verification but rather for acknowledgment. I don’t give two shits what you put down as a signature, I just want a record that you consciously were present and signed something, so I don’t get accused of trying to pass off something quietly that you never agreed to. If I have some scribble you made at a time and place, the onus is on you to prove it wasn’t you who did that.
Actually, it's the other way around. The credit card company, and by extension the merchant, have to prove that's your scribble. Here's one way to think about it. If it was the way you suggest then all an identity theif would have to do is to draw something on the dotted line and all of a sudden you're in a position where you have to prove your innocence.
From experience, a signature in the checkout line usually takes about 5-10 seconds. Removing it may seem like a small negligible change for users, but for retailers, it most likely adds up. Imagine being able to pick up your receipt and leave. What I see being the stalwart of signatures are probably restaurants. They require that extra step with the tip.
> From experience, a signature in the checkout line usually takes about 5-10 seconds. Removing it may seem like a small negligible change for users, but for retailers, it most likely adds up. Your right, can we also remove that stupid bag tax in SF. It easily takes 20 - 30 seconds per transaction. "Do you want a bag?" "Ugh, yeah I do" "Alright that's 50 cents" "wait, could I get three bags, not two - I don't want my…
The grating, low-grade, annoying, time-wasting inconvenience is supposed to continue to irritate the purchaser until they decide to bring their own bags.
From experience, a signature in the checkout line usually takes about 5-10 seconds. Removing it may seem like a small negligible change for users, but for retailers, it most likely adds up. Imagine being able to pick up your receipt and leave. What I see being the stalwart of signatures are probably restaurants. They require that extra step with the tip.
From experience, a signature in the checkout line usually takes about 5-10 seconds. Removing it may seem like a small negligible change for users, but for retailers, it most likely adds up. Imagine being able to pick up your receipt and leave. What I see being the stalwart of signatures are probably restaurants. They require that extra step with the tip.
> From experience, a signature in the checkout line usually takes about 5-10 seconds. Removing it may seem like a small negligible change for users, but for retailers, it most likely adds up. Your right, can we also remove that stupid bag tax in SF. It easily takes 20 - 30 seconds per transaction. "Do you want a bag?" "Ugh, yeah I do" "Alright that's 50 cents" "wait, could I get three bags, not two - I don't want my…
Makes a lot more sense. :)
I have also seen stores that put a barcode on the bag and the bag gets scanned just like any other item. That, IMHO, is the best way to go.
When you sign a receipt, you’re not just providing a sample of your signature for comparison against the one on the card. You are signing a document, usually saying that ‘I agree to comply with the terms of the cardholder agreement’
If this is no longer necessary, the card issuers must have determined that they have other legal agreements which cover purchases, and that the signature on each transaction is not necessary.
Also missing is a discussion of why PINs are not seen by the banks as an obvious next step.