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Credit Card Signatures Are About to Become Extinct in the U.S

nytimes.com

481–490 of 541 posts

Re: Credit Card Signatures Are About to Become Extinct in the U.S

#481

Earlier quoted context omitted.

You weren't taught to write it as "Four-hundred and 23/100", and then "$400.23" in the little box?

I meant $400 23/100 in the little box on the right.

You are one of those people that makes some OCR software writer's job a nightmare.

Re: Credit Card Signatures Are About to Become Extinct in the U.S

#482

Earlier quoted context omitted.

Sure, and I leave tips the vast majority of the time too - but I've had situations where I had no cash on me, the card machine didn't accept a tip, so I just left without feeling bad about it, it's not a big deal.

Not to you I guess. The server has only a very fixed opportunity to get tipped in a shift. To miss out on one is actually significant. Not to mention depressing.

I have family who work in food service in the UK. Tips are NOT expected, nor is significant/depressing to miss one. It's common, but certainly not mandatory or "victimizing the least powerful person in the relationship".

Re: Credit Card Signatures Are About to Become Extinct in the U.S

#483
post #417
post #377

Earlier quoted context omitted.

The reaction in the US isn't based upon some cultural obsession with money. Wait staff in the US is paid differently than in other countries. Wait staff in the US is largely paid the minimum hourly rate for tipped employees which is $2.13 an hour. It is expected that the majority of their income will be earned through tips.

There are many states where tipped employees earn the same minimum wage as non-tipped employees. The social expectation remains the same in those places.

For reference: https://www.dol.gov/whd/state/tipped.htm

Employers are supposed to make up the difference if the total with tips falls below minimum wage, but I don't think enforcement on that is very strict.

Re: Credit Card Signatures Are About to Become Extinct in the U.S

#484

Earlier quoted context omitted.

This is much more common in London than in the rest of the country. Thankfully.

Agreed, very much a London thing. Given it's optional at least you can tell them (or a manager) in the UK to take off if service is crap. In Asia, in places where the service charge is added then the service charge is rarely if ever removed, you can be screaming blue at them due to a chain inexcusable lazy fuck ups and they still wont budge on the service charge - loss of face, lack staff empowerment, 'till say no' e…

Definitely something I've noticed more in London, though I sometimes see "Suggested gratuity: " outside of London (generally not included in the price by default). Incidentally, suggesting a tip (especially including it in the amount by default) makes me much less likely to want to pay one.

Re: Credit Card Signatures Are About to Become Extinct in the U.S

#485

America is so stuck in legacy tech. Nobody checks signatures. Strong Factor Authentication requires min 2 of 3. India is leapfrogging to biometrics using Aadhar. Europe is current with chip and pin. America is in quill pen stage

> America is so stuck in legacy tech. Nobody checks signatures. The USPS sadly still forces credit card users to have signatures on the back. They don't check signatures against the PIN pad / signed receipts, but the clerk will either yell at you or refuse the transaction if you have "Ask For Drivers License" on the back of the card. This has happened to me on more than one occasion.

You might just have one particularly anal Post Office.

Re: Credit Card Signatures Are About to Become Extinct in the U.S

#486

Earlier quoted context omitted.

It must be considered in relation to the size of the transaction; I have given gifts of bottles of wine or Scotch (and in one case, an Echo) to professional service providers who have done a notably good job. I don’t tip a lawyer $2 on a $2000 matter, but a $75 bottle of Scotch is proportionally similar (in fact, a bit smaller) and not at all inappropriate.

So why not tip your waitstaff with a bottle of beer? That sounds appropriate right?

"And one for yourself" is a common phrase in the UK. It's not the norm to tip in pubs/bars though, and it's a literal offer of a drink (or equivalent tip).

Also, from briefly working in a bar, I found that flashing cash around in the expectation of better service is a good way to get ignored -- developing an actual rapport with the staff, or just being friendly, works far better/is more valued.

Re: Credit Card Signatures Are About to Become Extinct in the U.S

#487
post #146

Earlier quoted context omitted.

They can be pretty handy. I don't have a physical checkbook and that causes problems for me once or twice a year. Typically when I am buying motorcycles. Those transactions tend to take place on weekends when my bank is closed and for amounts larger than my ATM cash withdrawal limit. They also tend to occur with parties that do not accept electronic payment methods.

I think the "parties not accepting electronic methods" bit is more surprising to people in places with more modern banking systems... In Australia you can hardly buy anything anymore with ordinary cheques (you can still use a bank cheque for a car from a dealer or deposit on a house something, but that's the kind that you go to the bank, pay a fee and they print it out). Hardly any private seller for a car or anythin…

The last motorcycle I bought I had to wait two days to go to a physical branch and get a (free!) cashiers check then go back to the shop to buy the bike. We made the deal on a Saturday and the guy asked for a check and I said "It's 2018, I don't have a checkbook" to which he chuckled but it wasn't clear what I would have used instead. Normally I would just carry cash but I don't make habit of holding on to that much cash. There are billpay methods I could use with my bank but they are not instant, anything instant would have cost something like 3% which on ~$5,000.00 is not feasible.

This is how it has always been (tm) here. It's interesting to hear about the glorious future that other countries have. How do you identify the account you are transferring to? I was technically interacting with a business, do they just give me a phone number/email and I use that?

I think my bank is working on a way to do instant transfers but I'm not sure how any of that works.

Re: Credit Card Signatures Are About to Become Extinct in the U.S

#488

Earlier quoted context omitted.

I meant $400 23/100 in the little box on the right.

You are one of those people that makes some OCR software writer's job a nightmare.

I was taught that long before anyone even thought of OCR :-)

Re: Credit Card Signatures Are About to Become Extinct in the U.S

#489

Actually, doing away with the signature seems a bit odd, given all the machine learning flying around. An electronic signature that records the speed strokes in the signature are made, as well as the final result, is probably a really good way of identifying the purchaser. Of course then a lot of the smaller merchants would have to upgrade their 90's era dial-up credit card processing.

That assumes you are signing things often enough to have a signature that is reliably the same each time, which for me has _never_ been the case.

Also, since developing a disability in my hands, that _can't_ be the case -- there _will_ be variations in stroke speed due to level of pain/stiffness at the time.

Re: Credit Card Signatures Are About to Become Extinct in the U.S

#490

Earlier quoted context omitted.

You are one of those people that makes some OCR software writer's job a nightmare.

I was taught that long before anyone even thought of OCR :-)

That's what I mean. Normalizing input from weakly defined fields is a nightmare. Every time you think you've gotten every edge case someone will come along and prove you wrong. And then your employer is mad at you because you didn't think anybody was still writing their checks with Roman Numerals or something.
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