Can you tell if you have been handed a "bad" credit card?
Credit card fraud is an enormous problem. Here are tips to
help verify that a card is valid:
Wrong 4-Digit Number: The small four-digit number
printed on the card above the account number must match the first four numbers
of the embossed (raised) account number.
Missing 4-Digit Number: The small four digit
number MUST be printed on the card above the account number.
Altered Signature Panel: You should not be able
to see the word "VOID" on the signature panel. On Visa cards the word "VISA"
should be repeatedly printed at an angle in blue, on a white background.
Different Signature: The signature on the sales
slip and registration MUST match the signature on the back of the credit card.
Compare these every time a credit card is accepted. If in doubt, ask for a
photo I.D. with a signature (i.e. driver's license).
Missing Signature: The signature must appear on
the back of the card. If it is unsigned & the cardholder refuses to sign the
card, the transaction should not be completed.
If you notice anything out of the ordinary, be
suspicious & call your voice authorization center.
If you have concerns and you have completed the
transaction and the cardholder is no longer present, contact your processing
Remember you should always:
Hold the card throughout the entire transaction
Check the signature on the back to make sure it
matches the sales draft
Compare the number pre-printed on the card to the
first four numbers of the raised account number