RCI customers

[Hopes4]

RCI didn't do anything wrong. Sorry, but your hubby was at fault for losing his card.

 

 

Absolutely it was our fault, hence my original posting of "Learn from my mistake/misfortune/idiocy." Like I said, I was VENTING. :o

[jrm9999]

Right from the Visa Merchant handbook:

 

Unsigned Cards

While checking card security features, you should also make sure that the card is signed. An unsigned card is considered invalid and should not be accepted. If a customer gives you an unsigned card, the following steps must be taken:

 

• Check the cardholder’s ID. Ask the cardholder for some form of official

government identification, such as a driver’s license or passport. Where

permissible by law, the ID serial number and expiration date should be

written on the sales receipt before you complete the transaction.

 

• Ask the customer to sign the card. The card should be signed within your

full view, and the signature checked against the customer’s signature

on the ID. A refusal to sign means the card is still invalid and cannot be

accepted. Ask the customer for another signed Visa card.

 

• Compare the signature on the card to the signature on the ID.

If the cardholder refuses to sign the card, and you accept it, you may end up

with financial liability for the transaction should the cardholder later dispute the charge.

 

See ID

Some customers write “See ID” or “Ask for ID” in the signature panel, thinking

that this is a deterrent against fraud or forgery; that is, if their signature is not on the card, a fraudster will not be able to forge it. In reality, criminals don’t take the time to practice signatures: they use cards as quickly as possible after a theft and prior to the accounts being blocked. They are actually counting on you not to look at the back of the card and compare signatures—they may even have access to counterfeit identification with a signature in their own handwriting.

 

“See ID” or “Ask for ID” is not a valid substitute for a signature. The customer

must sign the card in your presence, as stated above.

 

I realize a lot of merchants accept card with See ID on the or even no signature. They are not supposed to though.

[Merion_Mom]

HEE! Oh, lord its been years.... someone posted on a message board somewhere -- I've never forgotten it, and every once in awhile I almost get the courage to write on a receipt "I Stole This Card!" .... just can't do it--too chicken :p

 

I just sent it out to almost everyone in my address book! Well, not to my students. I just don't think that teenagers have our sense of humor! :) :D :p

[Hopes4]

I was on the same cruise as the OP.(Hi Luci)

 

I hope this gets taken care of for you and I do hope you and DH had a good cruise regardless. Hope you got home okay too with the snow and all.

We got home pretty good, less than a 2 hr delay which was understandable due to the weather. We did have an awsome time on the cruise, it just ended badly for us. BTW, how did you end up at the casino? I played 3 different nights and ended up a loser, but I finally learned how to play craps. :)

 

As an aside, we tried using a card other than credit to use our safe and only our Visa would work. So we had to keep it out of the safe the whole time. I really wish all the safes had the keypads.

 

Keypads would make sense! You cant use you CC on board so it makes no sense at all to force you to keep it out of the safe. Hmmmm maybe i CAN blame RCI........ (JUST KIDDING!!)

[Hopes4]

Here's a fun site for Credit Card Signers:

 

http://www.zug.com/pranks/credit/

 

I have tears streaming down my face and my kids think I'm posessed cause I cant stop laughing. Thank you!!!

[Hopes4]

I found it funny that no one has touched on this comment. As a native S. Floridian - Dade county in fact - I NEVER thought the rest of the country had this impression of us.

 

I thought we were known for drive by shootings, home invasion robberies, and bank robberies. After all, the biggest FBI shoot out in history was here and has a huge display all about it in the FBI building in Washington D.C. http://miami.fbi.gov/pressrel/2006/mm040706a.htm

 

I am always on guard but none the less have been personally burglarized, mugged, car vandalized on multiple occasions, car stolen and stripped (no, no, not me, the car :D). I've also witnessed others being mugged.

Oh, Mommabean, I sure hope you are joking (like I was about the granny bit)

I lived in Brooklyn, NY for 34 years and never had any of that happen to me.

 

I know all the thieves dont live in Miami, my thief lives in TAMPA :D

[KelJ]

HEE! Oh, lord its been years.... someone posted on a message board somewhere -- I've never forgotten it, and every once in awhile I almost get the courage to write on a receipt "I Stole This Card!" .... just can't do it--too chicken :p

 

I agree with Carol. That site is a riot!! Then I went on to read the Michael Jackson hoax. Thanks for the link -- and the laughs!:D

[mommabean]

Oh, Mommabean, I sure hope you are joking (like I was about the granny bit)

I lived in Brooklyn, NY for 34 years and never had any of that happen to me.

 

I know all the thieves dont live in Miami, my thief lives in TAMPA :D

 

I didn't realize you were joking about the granny bit since Florida always seemed to be a state where people went to retire.

 

Which part did you think I was joking about? :confused: For a change - I was 100% serious. :eek:

 

I've also turned on my burglar alarm every time I've gone to bed (or out) for the last 30 years. That's how long I've had one.

 

Oh, do you mean the part about Best Buy? YES! They did ask for ID! :D

[sdear]

I found it funny that no one has touched on this comment. As a native S. Floridian - Dade county in fact - I NEVER thought the rest of the country had this impression of us.

 

I thought we were known for drive by shootings, home invasion robberies, and bank robberies. After all, the biggest FBI shoot out in history was here and has a huge display all about it in the FBI building in Washington D.C. http://miami.fbi.gov/pressrel/2006/mm040706a.htm

 

I am always on guard but none the less have been personally burglarized, mugged, car vandalized on multiple occasions, car stolen and stripped (no, no, not me, the car :D). I've also witnessed others being mugged. And I've been asked for ID in the past month at Best Buy and at my bank where I've been banking for too many years to remember. Normally I just pay with cash so I don't know the current trend. I DO have to put in my billing address zip code at most gas pumps before the pump will turn on.

 

Just remember. All the crooks don't live in Miami. Some of them drive to the cruise port, take your card, buy their stuff and drive back across the state line. And they are on all cruise lines so stay aware.

 

And there are some sweet ole granny's still in Florida ! I am one of them ! :D :p The crook could have been from the OP's home state for all we know...people do drive to the cruise ports :cool:

[VernRDH]

"We got home pretty good, less than a 2 hr delay which was understandable due to the weather. We did have an awsome time on the cruise, it just ended badly for us. BTW, how did you end up at the casino? I played 3 different nights and ended up a loser, but I finally learned how to play craps. :)"

 

Oh the casino, well here is where I got *robbed* We were losers by the end of the week, but we only lost what we had brought to lose and had a great time in the process. We pretty much stuck to roulette all week, and enjoyed ourselves. I wonder what happened to that college kid with the big money roll??? Think he left all his money there? (This was a spring break cruise and this one young man was in the casino every night with at least 3-4K in his pocket. He liked blackjack, but would occasionally run over to the roulette table, put a $100 chip on black or red, wait for the result, and leave. He lost more than he won BTW. But he was back each night, and always with that same big wad of cash.)

[TheBeachBears]

So why are you warning "RCI customers"?? RCI didn't do anything wrong. Sorry, but your hubby was at fault for losing his card. That's a bummer -- I'm sorry for all the trouble it caused you. Warning people to hold on to their credit cards is a great idea. But why "RCI customers"? RCI was not at fault in any way, were they?

 

I take umbrage to this, wow umbrage now that is a big word, let’s think about this someone got their sea pass and decided to rob their room, an all they took was his credit card? Hmmm I would have just gone to the casino and got $2500, well maybe not they spent a lot of time in the casino, I know I was there with them. NO that’s not what happened.

Folks this was someone with access to their room who thought that this card would not be missed. That would be a cabin steward or the repair staff. That IS an RCI problem.

On a separate note we would love to have you guys make the drive upstate, email my wife we and tell your husband he can caught the Yankees on my new big screen TV and surround sound system.

I am glad you guys are safe at home, take care.

Jamie

[Hopes4]

I take umbrage to this, wow umbrage now that is a big word, let’s think about this someone got their sea pass and decided to rob their room, an all they took was his credit card? Hmmm I would have just gone to the casino and got $2500, well maybe not they spent a lot of time in the casino, I know I was there with them. NO that’s not what happened.

Folks this was someone with access to their room who thought that this card would not be missed. That would be a cabin steward or the repair staff. That IS an RCI problem.

On a separate note we would love to have you guys make the drive upstate, email my wife we and tell your husband he can caught the Yankees on my new big screen TV and surround sound system.

I am glad you guys are safe at home, take care.

Jamie

Hi Jamie! Thanks for sticking up for us :) You got me thinking, if you had gotten my seapass - you would also have had the perfect alibi - ME! (Me to police - "It couldnt have been Jamie and Veronica, she was playing at the next table and he was talking to me"......LOL) I hope they catch who did this and hope it wasnt an employee of RCI, but if it was, I had better be sailing my next cruise in a grand suite :D

Thank you for the invite, I'll talk to hubby! BTW, how is your daughter? She was cracking me up at the M&M - she was trying to get Miss Florida to sign a contract.....on a blank page to be filled in later!! She's too funny (not to mention smart) If I need a laywer in 20 years, Im looking her up.

 

[PH8]

Doesnt matter if you sign your card or not with the latest trend(I know Walgreens for one does this),you dont sign for purchases under $50(nor do they ask to se your CC).........I dont like this new trend at all..........

 

That website is funny.............reminds me of when i worked at Barnes and Noble,one guy signed his receipt with a smiley face.....!! I asked for his ID and sure enough,his license had the same smiley face as his signature............What an idiot,I thought..

[amybear912]

Doesnt matter if you sign your card or not with the latest trend(I know Walgreens for one does this),you dont sign for purchases under $50(nor do they ask to se your CC).........I dont like this new trend at all..........

 

That website is funny.............reminds me of when i worked at Barnes and Noble,one guy signed his receipt with a smiley face.....!! I asked for his ID and sure enough,his license had the same smiley face as his signature............What an idiot,I thought..

 

I work for Barnes and Noble...:D

 

AND...

 

Sorry Merion Mom... I get your point... you are correct there are some out there who don't check for signatures... they are usually young and experienced.

 

Incidentally, my cards all say "See PHOTO ID"... and yes, there have been times when no one has asked and I quickly point out the note and show them my driver's license (which also has my sig on it). They usually act like they just forgot... but seriously... when they are getting paid just barely above minimum wage, their attitude is "not my problem"... and chances are they never even find out that there was a problem... it's dealt with at the corporate level and rarely trickles down to the actual store or employee involved.

 

on a cruise, one of the best ways to protect yourself from fraudulent charges on your SeaPass account is to check your balance frequently to make sure you aren't seeing any strange charges. We usually check every few days.

[PH8]

I work for Barnes and Noble...:D

 

 

.

Where?? I was at the Ocala store........left a year ago.......

[Italy52]

you are ABSOLUTELY NOT responsible for any unauthorized charges. It's federal law, not just the crdit card companies being nice to customers. BTW, just a tip to help prevent unauthorized use of credit cards: instead of signing the back of your card (no one really compres the signature anyways), write "check ID" on the back. That way the retailer should think to ask for ID. Doesn't help for online sales though. Sorry about your troubles, hope it doesn't leave a sour taste in your mouth about the whole trip

 

 

The "check ID on the back of the credit card is a good idea in theory. My son-in-law did this. However, he found that 98% of the time, no one ever checked--he was very disappointed to see this happen. There are some states that are very thorough about checking ID, but not too many that I have encountered.

[Italy52]

Doesnt matter if you sign your card or not with the latest trend(I know Walgreens for one does this),you dont sign for purchases under $50(nor do they ask to se your CC).........I dont like this new trend at all..........

 

That website is funny.............reminds me of when i worked at Barnes and Noble,one guy signed his receipt with a smiley face.....!! I asked for his ID and sure enough,his license had the same smiley face as his signature............What an idiot,I thought..

 

At our local Home Depot, they have a self-service checkout. If you pay by credit card and the bill is under $50, you don't show any ID. I thought that was strange and asked the clerk overseeing the transactions. She confirmed that unless it was over $50, no ID check. Why don't we just turn over our wallets to crooks, no one seems to care anymore.

[CleoPat]

Ouch! Hope that you weren't out of pocket for that - assume you reported the card stolen as soon as you notticed?

 

I agree with you - you have to keep your guard up at all times: it may be a cruise, but theifs and opportunists take vacations and cruises like the rest of us... :(

 

We lost our digital camera on the Mariner last October. Forgot to pick it up in Studio B after the 9pm ice show. Realised within 5 to 10 minutes, RUSHED back to the studio, but the doors were already closed for the night. Went to the Pursor's desk and reported it (they have a book for reported lost property) - they said it would probably get handed in or picked up by the cleaners. It never did - we asked at the Pursor's desk MANY times and even the Concierge looked into it for us (they did an extra search of the studio)... NOTHING.

 

The odd thing was that we were on the bottom row, last aisle from the end of the room - no more than a dozen passengers would have walked past where we were sitting on the way out of the studio after us. So it was either one of those dozen passengers OR a cleaning crew member who took it (RCCL were adamant that it ouldn't be crew - lots of cameras, searches etc).

 

So it only takes a few minutes (actually a lot less) and someone will probably take the opportunity. It is a very sad world - noth everyone is as honest as you and me :(

 

Boo

 

Back from a cruise a couple of weeks ago. One of my M&M friends lost her camera onboard the first day! She had spent a couple of days on Miami Beach before the cruise, so lost those photos. She had to buy another camera for the rest of the cruise. A few days later I lost my camera! Same as you, I knew I had just left it in Windjammer and reported it lost at the Purser's desk. It was THERE!!!! They make you describe it and look in the room and bring it out and make you sign a book re the found items. I kept saying "I LOVE YOU" to the Purser!:p It was almost an entire week's worth of photos. That night my mom lost her eyeglasses. THOSE NEVER SHOWED UP! So go figure. It all depends on WHO finds the lost item. I tend to believe that the crew turns it in and some passengers do not.:cool:

[forpaws]

I have to say, I have read a lot on here about people saying not to sign your credit card. WRONG!!!

 

A couple of things to point out. Your card AND your contract states the card is not valid unless signed. And yes, it can be denied for that reason alone. I have done so.

 

But another thought, there are hordes of stores you go into and swipe your own credit card, so no one ever actually sees it.

 

Hadn't really thought about that last part, but you're right..probably 75% of the time, I don't even give the card to the clerk because I scan it myself.

 

I did have a couple of clerks in Tampa a couple of weeks ago that still asked to see the ID even after I swiped it myself. I thought that was pretty cool.

 

I've also had cards before that I forgot to sign, and when the clerk told me she couldn't process the transaction because the card wasn't signed, I just signed it right there in front of her. Reassuring, huh? :rolleyes:

[forpaws]

At our local Home Depot, they have a self-service checkout. If you pay by credit card and the bill is under $50, you don't show any ID. I thought that was strange and asked the clerk overseeing the transactions. She confirmed that unless it was over $50, no ID check. Why don't we just turn over our wallets to crooks, no one seems to care anymore.

 

And at Disney last fall, if the transaction was under a certain amount (I can't remember if it was $15 or $25), you didn't even have to sign anything or show ID. Swipe and go.

 

I guess with the volume of transactions they process in a day's time, they're willing to take the loss if the card happens to be stolen. By the time you figure in the extra time involved with the clerk waiting for the signature stuff to be taken care of, he or she could be well into checking out the next customer.

[forpaws]

And oh yeah, get off your bleepin' cell phone when you deal with a store clerk... do you have any idea how easy it would be to scam you because you are so busy discussing your latest PAP smear with Susie Homemaker while I am trying to complete your transaction??

By the same token, I've had several clerks who won't get off their cell phones to process my transaction. It is just as frustrating for the customer when that happens, and makes us feel like the clerk's personal business is more important than taking our money.

 

One time it cost the store several dollars...Instead of charging me $7.99 for an item, she charged me 79 cents...

 

So, while you're apparently a fabulous clerk and your store is lucky to have you, keep in mind that a lot of clerks are not as exemplary.

[cruisinMike]

Unfortunately I have been the victim of credit card fraud not once, but twice in the last 3 years. Yes I had "see ID" on my card thinking I was some kind of bright boy to avoid some fradualent use. You see, I never lost the card. The card was always in my possession but somehow the number got out and it was used, literally all over the world for several thousand dollars. Coincidently, this happened one time during a week I was on a cruise and I found the charges when I was doing some reconcilliation on line.

 

The long and short of this is I had a long discussion with the card company about what I was doing wrong including saying "see ID". They said in this day and age these guys could care less about a signature because most times the card that is used fradulently is not used in person. And trust me, after the first time I protected the use of my card to a fault. They said as soon as they shut the door on one type of fraud, these wise guys come up with another.

 

As far as writing "see ID". They said be my guest but understand that at any point a merchant can refuse it without signature. So now I have signature and "see ID" beside it (not sure if it does any good really). In this day and age of swipe and electronic sign without the merchant touching the card (and you know these wise guys know who these merchants are), I wonder how long it will be before a PIN is required like a debit card.

 

Actually losing a card is easier to fix then finding out after the fact that someone has used your number without the card. At least if it's lost, you can notify the company immediately and close the account.

[aqhacruiser]

RULE #1 ON YOUR CREDIT CARD/DEBIT - FOR EVERYONE!

 

DO NOT SIGN THE BACK - instead write on the signature line - Ask for ID.

 

90% of the time, people automatically flip the card over when you buy something at a store. I can guarantee you that if someone steals your card, they will ditch it. It's too risky.

 

Any credit card company will tell you this. And I'm really surprised that they just don't do away with the signature line & replace it with the Ask for ID instead. Stupid, stupid, stupid. They could avoid so much hassles.

 

This is a good theory but the clerks in the stores by me do not even touch or look at the credit cards. You just swipe them yourself and sign the computer box. No one looks if the signature matches or if there is even one there on the card. Computer reads the number.:o