Simply, only owners of the card may use it. Merchants are supposed to
verify that the signature on the card belongs to the presenter and if
it doesn't, they are supposed to issue a "Code 10" which alerts the
authorization center of a possible fraud.
General ways to prevent fraud
"Ensure that the person presenting the Card is the Cardmember. The
American Express® Card is not transferable, even amongst members of
the same family. Simple checks include matching the full name and
Member Since date on the Card with the Card presenter."
"Cardmember signature is required on the printed receipt for all
face-to-face transactions. The signature on the receipt must match the
name on the front of the Card and the signature on the back of the
What You Can Do To Prevent Fraud
"At Visa we know merchants are concerned about credit card fraud. To
help protect you and your customers against fraud, Visa has developed
a multi-faceted fraud prevention program."
? Compare signatures ? The signature on the receipt should match the
signature on the back of the credit card.
A credit card may be bad if:
* The individual offers the credit card but no other identification.
* The name on the credit card is different from the name on other identification.
* The card is unsigned.
* The signature of the individual appears different than the
signature on the card.
* The expiration date has passed.
Call for a Code 10 authorization:
Call your authorization center immediately and ask for a "Code 10" if:
1. You believe you have a counterfeit or altered card.
2. The transaction is suspicious.
3. The account number is listed on the warning bulletin.
4. The signatures don't match.
5. You become suspicious for any other reason.
If you would like your son or daughter to use your card, you may
request that an additional user be added to your card.
"An authorized user is someone who has the privilege of using a credit
card without the legal liability to repay the charges made. Authorized
users do not sign the credit card application indicating they accept
the credit card and the responsibility of repaying it. The credit card
may even contain the authorized user's name.
As the credit card owner, you may designate authorized users at any
time. When applying for a credit card, there is typically a blank
space on the application for authorized users. If you already have the
card and want to add an authorized user, contact your credit grantor.
They may accept a telephone request or require a written request. Some
security measures will be in place to prohibit strangers from becoming
authorized users on your credit cards.
Common examples of authorized users are:
* College students
* Business associates
* Unmarried significant others"
[more info follows]
Each bank's card policy will differ slightly so you'll have to contact
your own bank, but here are a few examples:
How do I add an additional cardholder to my credit card?
"As the primary credit cardholder, you can have an additional credit
card issued, up to a maximum of 3 (maximum of 2 for the US Dollar VISA
Card and the Dividend Platinum VISA cards; maximum of 9 for Aerogold
VISA Card for Business and CIBC bizline? VISA* Card) for your spouse,
other family members, or other designated persons. If you would like
to add an authorized user to your credit card account, you must
contact CIBC Credit Card Services. They, in turn, will issue you an
authorized user form, which you will need to complete. Two signatures
are required in this form: your own and that of the person you are
designating as an authorized credit cardholder."
Additional Cardholder Request Form
"You may request an Additional Card for anyone over the age of 16 you
choose. You can obtain additional cards for your partner, your family
or friends. All charges will be billed to you and appear on your
monthly statement. Simply fill in and sign the form below and send it
back to us ? we?ll do the rest."
How do I add an additional cardholder to my account?
"An additional Bendigo Bank Credit Card on your account lets someone
else over the age of 16, share all the freedom and convenience that
you enjoy from your Bendigo Bank Credit Card. If you would like to
apply for an additional card for a family member or someone close to
you, visit any Bendigo Branch, call us on 1300 366 666 or apply
That all said, some people prefer to give their teens prepaid cards so
that it's impossible to go over the limit.
The Visa Prepaid Card for Teens
I hope this helps. If you have any questions, please post a
clarification request and wait for me to respond before closing/rating
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