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pkd09 said:I find most of my customers are surprised by the "zip code" requirement. Most think we need the "security number" on the back of the card.
chefheidi2003 said:Yeah..and I would much rather give out my zip code than my security code. I don't like that a lot of the DS companies ask you for that now.
pkd09 said:I find most of my customers are surprised by the "zip code" requirement. Most think we need the "security number" on the back of the card.
Personally- I think that's silly. How PERSONAL is it to identify your zip code?? How many people have that zip code? A phone number is YOURS, but a zip code?"The law prohibits merchants from requesting and recording a credit card holder's “personal identification information.” The court ruled that such information can include not only a telephone number or street address but also a ZIP code."
esavvymom said:People just don't realize that when that credit card goes through, it's automatically being compared to the billing address or zip code, to make sure it matches. Just like the CVV code...which to me, if someone stole my credit card physically- uh ,DUH they've got that too. They may have pitched my Drivers License and other info that has my zip code on it.
Anyway...yes- contact HO to have them verify. I don't see how that violates privacy concerns or would last long, but we all know how judges these days like to write their own laws.
Edit: Ok, found an article about this. http://www.consumeraffairs.com/news04/2011/02/california-merchants-can-t-ask-credit-card-customrs-for-zip-code.html
DEFINITELY call HO right away. It carries a $1000 fine. Although, it seems to impact more brick-mortar type business, because if you read the article it talks about Gas-stations can still do it because they don't retain the information for their own data, as well as online/shipping type retailers-because they need to ship you something. Since we don't retain that information in anyway- other than the shipping info, maybe it won't affect our type of business.
Apparently this is a 1990 law that the court upheld.
Personally- I think that's silly. How PERSONAL is it to identify your zip code?? How many people have that zip code? A phone number is YOURS, but a zip code?
NooraK said:The article I found, referred to an incident where the merchant used the zip to match up to the customer's undisclosed address. That, I think is wrong and the merchant went to far.
The CVV is meant to deter fraud in situations where the physical card isn't being swiped. If a theif stole your credit card, they'd high-tail it to Best Buy and buy a bunch of electronics. When a thief steals just your credit card number by hacking into a website or something, they'll go on Amazon.com and buy said electronics. That's where the CVV and address stuff comes into play in making sure the right person is using the card.
kam said:All they had to do was dis-allow the merchants from storing the info and/or using it beyond credit verification.
winklermom said:I worked for GAP Outlet prior to starting my PC business and when someone would check out, we were supposed to ask for their ZIP code. The purpose was to give the company an idea from where our customer base was coming. Most people didn't care at all to give it to you...after all, it's just a ZIP code. However, every now and again I'd get someone who just refused to do so. At which point, I would just enter the ZIP code of the town in which we live. I could understand them not wanting to share their SSN or phone number, but your ZIP code? I just don't get it.
wadesgirl said:Some will not do business with people when their zip code for their credit card billing doesn't match their ship to address. To them is screams big red flag of someone doing bad business.
winklermom said:We've actually had issues with that before. My DH is a pastor and has a church credit card. He ordered something for the church but was having it delivered to our home which is in a different ZIP code. This was several years ago and was the first time that we had heard that this would cause a discrepancy. At any rate, we finally figured out what the hold-up was on the delivery and got it straightened out but it was somewhat frustrating.
I can't help but think about people who have a P.O. box...UPS and FEDEX don't deliver to a P.O. box. What if that's where the CC bill goes?
esavvymom said:Funny thing is, this does little to prevent companies from keeping track of your information.
FOR EXAMPLE...Target. If you go to Target and do not have your receipt or your card, I think you can actually give them your Driver's License and it will find your receipt. Or any of those "frequent shopper" cards. With the CA logic- those should be illegal, right?That magnetic strip on your CC has more than just your CC #. It has alot. And there is a company here in NC that specifically tracks all of that data. One guy told us you'd be SHOCKED at how much data is collected on EVERYTHING you do, and you have no idea.
So the zip code thing...it's just a band-aid to make people feel good. I'd rather protect my identity and have them verify that stuff, than worry about if they are "profiling" my purchases. They are already doing that. Just my opinion.![]()
babywings76 said:Yeah, I went to Target and couldn't remember which receipt I needed and if I still had it. I was doing multiple returns after Christmas w/ things that were bought at different times. Plus, I couldn't remember which card I used. I gave him the card I thought I would've used and he was able to track that whole purchase and issue me my refund w/o having a receipt. It was kind of cool, but also kind of creepy that there's a permanent record out there w/ my shopping history. lol
babywings76 said:Yeah, I went to Target and couldn't remember which receipt I needed and if I still had it. I was doing multiple returns after Christmas w/ things that were bought at different times. Plus, I couldn't remember which card I used. I gave him the card I thought I would've used and he was able to track that whole purchase and issue me my refund w/o having a receipt. It was kind of cool, but also kind of creepy that there's a permanent record out there w/ my shopping history. lol
esavvymom said:What's even more creepy is a couple of months back, I got an email from my local Grocery Store chain saying something like "You purchased several of these items, and they have been recalled." yada-yada. Ugh. They knew and kept record of what I purchased.
I can see WHY in this case, but still.....There is minimal measure of privacy whenever you use anything other than cash.
The California Supreme Court ruled that merchants are not allowed to collect zip codes from customers during credit card transactions, as it violates the state's privacy laws.
Yes, the ruling applies to all credit card transactions, whether they are in-store, online, or over the phone.
Collecting zip codes can be used to identify a person's address and other personal information, which goes against California's strict privacy laws that protect consumer information.
If a merchant continues to collect zip codes from customers during credit card transactions, they can face penalties and fines up to $250 for each violation.
Yes, there are some exceptions to the ruling. Merchants can still collect zip codes if it is necessary for a specific transaction, such as shipping an online purchase, or for fraud prevention purposes.