Community Operations
Consumer Affairs Tip Sheets
Credit Cards for Identification?
Until recently your driver's license and social security card were readily accepted as identification for writing cheques at local stores.
As you have probably noticed, this practice has almost come to a complete stop. Now they want your credit card number.
Shop owners have instructed cashiers to record credit card numbers on the backs of cheques because it indicates that the cheque writer is "creditworthy". They feel this may reduce the risk to the store of getting a worthless cheque.
Some merchants also see the credit card number as a way of getting the money back if a cheque is returned N.S.F. (Non Sufficient Funds)
These merchants place a rubber stamped notice on the back of your cheque which, when you sign it, authorizes them to charge the amount to your credit card if your cheque is returned.
Credit card companies however, say that their agreements with merchants do not allow this practice. These charges slip through because the store owners put the charges through on regular charge slips and the credit card company cannot distinguish between that charge and a regular sale.
Whatever reason the merchant gives for wanting your credit card number, it is best to avoid giving it out. Letting others record your credit card number increases the chances of dishonest charges showing up on your statement.
Many people do not realize that a person does not need your signature in order to charge to your account. They only need your name, card number and expiry date to make a charge against your card.
With this in mind, credit card issuers don't recommend using your credit card for identification purposes. Instead, try using other pieces of ID such as your driver's license, treaty card or liquor ID.
If this fails, show the cashier your credit card but do not allow the number to be recorded. Ask that they "note" on the back of your cheque that you have a credit card and are therefore "creditworthy".
You may also give out a credit card number that the merchant cannot use. For example, if you are writing a cheque at a Northern store, give them your Eaton's or Sear's card number.
For more information, call collect or e-mail our Consumer Affairs Officer at MACA headquarters in Yellowknife at: (867) 873-7125.