***UPDATE:
Well, turns out I was misinformed about the NC law about checking ID... sorry, guys... I should have done some digging before I posted.
Sigh. Not only have I been unable to pin down any sort of concrete information about individual states' card/ID check policies, but it looks like that it is in fact legal to REFUSE TO SHOW ID when using a credit card in
all states.
Yep, that's how it's set up, at least here in the States. So, with few exceptions, there are NO checks and balances in place to ensure that some fool hasn't stolen your card and is using it all over the place. Businesses are supposed to compare your signature on the back of the card to the signature on the copy you sign for them. And that has NEVER happened to me. Not once.
All they need to do to easily improve credit card security is to require CC users to use a PIN number. No big deal (at least not to me!).
According to a law firm website:
"Further, if you refuse to present identification, such as a driver's license,
the merchant may not refuse to make a credit card sale under Visa, MasterCard, and Amex rules."
Burlington, NC Accounting Firm | Merchant Credit Card Abuses: What They Cannot Ask You To Do Page | STOUT STUART MCGOWEN & KING LLP
Looks like the loop hole to this is writing "CHECK ID" under your signature on the back of the card... that is the only time (from what I can tell so far) that a cashier is required to ask for your ID. Not that most of them ever will. So there goes that safeguard.
Apparently you do not have to provide ID for a credit card transaction because some people don't want to present identification like a driver's license that has personal info on it. I can understand that, but there needs to be some sort of decent security measure in place. Like a freakin' pin number.