Police Seek Pair in Stolen Credit Card Case
Anne Arundel County police released photos of a man and woman suspected of using a stolen credit card at supermarkets in the area.
Photos
Anne Arundel County police have published photos of a man and woman who they say used a stolen credit card at supermarkets in the Crofton and Gambrills area.
Police said they were contacted on Sept. 8 by a woman who said she lost her credit card, and that it had been later used without her consent.
After reviewing surveillance video of stores in the area, police said they learned that the suspects were photographed on Sept. 7 at the Giant store at the 1100 block of Route 3 North, and the Safeway store in the Village at Waugh Chapel.
Anyone with information is asked to call J.S. Golas of the western district station at 410-222-6155.
Patrick H.
5:51 pm on Tuesday, September 11, 2012
The problem is that these stores routinely allow people to use credit cards without showing identification AND without signing if the transaction is for less than $50. All this could be avoided if stores really cared about their customers and not just selling things. Remember these two stores next time you go shopping and shop somplace that cares.
Calique
10:05 am on Wednesday, September 12, 2012
1- Cardholders are typically not responsible for fraudulent charges under $50. That's why that's the dollar amount under which a signature is not required. Makes for a faster transaction with a lesser liability.
2- The merchant's agreement with Visa or MasterCard stipulates that the merchant NOT require additional ID from the cardholder. The financial institution is assumed to have verified the cardholder's identification at the time the card was issued. It is assumed that the bearer of the card is the person to whom it was issued unless a claim of fraud is made after the fact and pursued through the financial institituon's established procedure, which is between the cardholder and the card issuer.
If a merchant REQUIRES that you provide additional ID at the time you use your card, then he is violating the merchant agreement he has with Visa/MasterCard. If you would like to write "ASK FOR ID" on the back of your card, next to your signature, then sometimes the merchant will see that and do so. But he can NOT require it.
sandie
6:27 pm on Tuesday, September 11, 2012
That's it...blame the merchants not the criminals?
Bryon
6:46 pm on Tuesday, September 11, 2012
Your maximum liability under federal law for unauthorized use of your credit card is $50. If you report the loss before your credit cards are used, the FCBA says the card issuer cannot hold you responsible for any unauthorized charges. If a thief uses your cards before you report them missing, the most you will owe for unauthorized charges is $50 per card. Also, if the loss involves your credit card number, but not the card itself, you have no liability for unauthorized use.
Patrick H.
10:05 pm on Tuesday, September 11, 2012
Thanks Bryon. Good to know. Sandie - all I'm saying is that the criminals will continue to do what they are allowed to do. If the merchants really cared about us, and I am a merchant, they would check IDs and require signatures for all transactions. They are both to blame.
Billyotbay
9:09 am on Wednesday, September 12, 2012
I've been dealing with the consumer use of credit card's in a retail setting since the 70's.The only common security measure on all cc's is a signature panel. This has not changed in 35 years.Yes there have been various security improvements.In Europe, most cards are equipped with an EMV chip which requires a 4 digit PIN to be entered in to the merchants terminal before payment will be authorised. But until the credit card companies get serious about security and fraud, they will simply pass on the cost to the consumer, you and me.