Comments on: “Sued for seeking a ZIPcode?”

By: MF

MF — Mon, 13 Apr 2009 19:33:50 +0000

Also, how does this affect ATM withdrawls? Your card is a “credit card” if it has the Visa or MC logo on it and there is a “transaction” that requires your PIN. No, it's a debit card, not a credit card. Different rules apply to debit cards.

By: Steve

Steve — Fri, 10 Apr 2009 13:43:08 +0000

Strange…
I wonder if they mean that you cannot ask at all or if you just can’t ask for CC trans only?
When I shopped at Radio Shack, they always asked for a phone number regardless of what pay type I was using. In some areas, and I don’t know why only some, the pumps or any other type of automated purchase requires the zip. Being in an industry that has totally automated CC trans, I believe that the CC agreements we have definitely require the ZIP to be entered for a transaction where the presence of the card is not confirmed by an employee. In fact, over the phone deposits for retail locations where I was previously employed here in Illinois, absolutely required the ZIP for the trans to be approved. The trans would not even complete if this was missing.

Also, how does this affect ATM withdrawls? Your card is a “credit card” if it has the Visa or MC logo on it and there is a “transaction” that requires your PIN. That would most definitely fall under “personal identification information.” It even has “personal identification” right in the acronym! Shoot I just gave the lawyers another option.
Stupid unintended consequeces! Or, intended, if you think like a lawyer/politician.

By: Erica Vess

Erica Vess — Fri, 10 Apr 2009 11:47:56 +0000

As someone who takes credit cards at craft fairs with the old-fashioned “knucklebuster” and processes them later that night or often the next day, I need the zip code in order to process the card through my credit card service. I also sure as hell am not letting someone walk away with my merchandise without at least a phone number. In this situation, using a credit card is almost like using a check.

Glad I don’t live in California! (For many reasons.)

By: Todd Rogers

Todd Rogers — Thu, 09 Apr 2009 22:09:35 +0000

Bravo to mojo.
Why not write (or influence the writing of) the rules so as to make yourself a financial beneficiary by virtue of your career choice? Don’t re-route the river, just build a dam.

By: mojo

mojo — Thu, 09 Apr 2009 17:23:09 +0000

Problem?

I think not. It’s written that way by design…

By: kimsch

kimsch — Thu, 09 Apr 2009 17:21:02 +0000

What if a retailer asks for a zip code from every customer regardless of payment method? What if the retailer asks before ringing the order up? What if the zip code is only requested and not required?

By: Bumper

Bumper — Thu, 09 Apr 2009 07:50:43 +0000

GC,

I was making light of the irony of the CC company doing what these lawyers want to say a retailer can’t.

In the case of the gas pumps, it IS the CC company that is demanding the zipcode in order to approve the transaction and it has to go through the retailer before it gets done.

Always glad I don’t live in California.

By: gitarcarver

gitarcarver — Thu, 09 Apr 2009 03:57:31 +0000

That’s a hoot gitarcarver, if I call my VISA company they ask for my zip code to verify me before they will even talk to me or give out any information.

I am not sure what you are saying here. The credit card company can ask you to prove who you are. The retailer cannot. Read the credit card agreement.

Also a lot of the pay at the gas pumps around here ask for your zip code before accepting the charge.

I know they ask for it. Requiring it is a violation of the terms of agreement with the credit card companies.

I was told about this about 9 months ago and was skeptical until I actually read the agreement between the card holder and the company, and then the credit card company and the retailer. It seems weird and I can’t think of why it would be that way, but it is in the contract.

By: Bumper

Bumper — Thu, 09 Apr 2009 02:14:43 +0000

That’s a hoot gitarcarver, if I call my VISA company they ask for my zip code to verify me before they will even talk to me or give out any information. Which is kind of dumb when you think about it, because if they steal my VISA bill from the mail box, the bad guys will have my zip code. Also a lot of the pay at the gas pumps around here ask for your zip code before accepting the charge.

By: Sued for seeking a ZIPcode? | Security Hero

Sued for seeking a ZIPcode? | Security Hero — Wed, 08 Apr 2009 22:38:32 +0000

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