Ok, Scotsman here, clearly not well travelled. I’ve been curious about this for a while and another thread on here just reminded me.
I see all the time on US TV and movies, people taking other peoples credit cards to use. Sometimes they have permission sometimes not. Sometimes it’s kids using daddy’s card.
From that i take it that it’s allowed to give your crdit card for someone else to use?
Is that true? Or are all these people committing fraud? What happens when they make a purchase? Do they need to sign the card holders name or their own? Can a retailer really accept a credit card from a minor just because the kid says ‘Daddy says it’s ok?’. Is the retailers only obligation to ensure the card is not listed as stolen and if not anyone can use it?
FYI - Although it would historically have been easy enough to fake a signature it has never been acceptable for anyone to use a credit card in someone elses name in the UK. We now have a PIN system in use and a signature is no longer required/acceptable. Is PIN authentication used in the US?