Raise, got a good deal, but really..........

[JohnDaleswife]

Odered my first Target gift card from Raise, got it, ordered my Disney gift card with it and all is well. But dag gum, I had to call in and verify my info, answer 4 questions about my life and I am suprised they didn't want a sample of blood to verify my account.

 

[Chelley00]

and you never have to do it again. It's a one time thing to prove your identity.

 

[JenB1104]

I had to do it as well - pleased they verified before I made a large purchase. I have not had to do it again.

 

[smitch425]

Odered my first Target gift card from Raise, got it, ordered my Disney gift card with it and all is well. But dag gum, I had to call in and verify my info, answer 4 questions about my life and I am suprised they didn't want a sample of blood to verify my account.

It's a security measure. Totally worth it.

 

[JohnDaleswife]

Ya, its good I do suppose. Just really caught me off guard.

 

[lmtravis]

Oh WAIT! I did the same thing and then a few days later they need a picture of my driver's license before they would process my orders. I literally asked them if they wanted a blood sample as well.

 

[honeybunches]

I really appreciate that they do that. It takes time and manpower on their part, but saves me the trouble if someone hacks my credit card info (which has happened).

 

[lmtravis]

i am not seeing how this helps prevent somebody get your credit card info. Seems to me like they want to be able to track you down if you try to scam them. I don't see this as an effort to protect me, it is an effort to protect them and the seller.

The security information they collect on the seller helps protect me and them from selling bogus cards.

 

[smitch425]

i am not seeing how this helps prevent somebody get your credit card info. Seems to me like they want to be able to track you down if you try to scam them. I don't see this as an effort to protect me, it is an effort to protect them and the seller.

The security information they collect on the seller helps protect me and them from selling bogus cards.

The questions they ask help to prevent fraudulent charges. I purchased a $999.99 card on my first order. The questions asked were things that a stranger (who may have stolen my credit card) would not have known. If you don't call them to verify you are really you, they don't approve the charge, and if you answer the questions incorrectly, they don't approve the charge. The questions were multiple choice and were about different time periods. Such as "Which of these 4 streets did you live on in 1995?" Those questions are definitely to protect the buyer (as well as everyone else involved).

 

[lmtravis]

I guess my point is that I could charge $5000 to my CC on MDE (or a whole host of other sites) without giving a random company some pretty personal information. A better approach is for them to delay processing the transaction for a little while so that your CC company has time to flag the charge. Right now, raise.com has a database with my email, password, cc number, last 4 digits of my ss#, and my mother's maiden name, and a picture of my driver's license (which includes address, DOB, and DL number). If they were to get hacked, I am screwed.

 

[davper]

I don't recall having to go through this verification. And I don't see the need to if you are buying goods plus I think it may be against the terms of their merchant agreement.

In my business, we are not permitted to ask for ID if the signatures match.

Recently, another GC merchant wanted more info from me and I refused and said cancel the order. My CC has already been vetted and I feel that it is an attempt to get info to steal your ID.

Here is the extract from Mastercard's Merchant TOS
9.11.2 Cardholder Identification
A merchant must not refuse to complete a MasterCard card transaction solely
because a cardholder who has complied with the conditions for presentment
of a card at the POI [point of interaction] refuses to provide additional identification information, except as specifically permitted or required by the Standards. A merchant may require additional identification from the cardholder if the information is required to complete the transaction, such as for shipping purposes. A merchant in a country or region that supports use of the MasterCard Address Verification Service (AVS) may require the cardholder’s ZIP or postal code to complete a cardholder-activated terminal (CAT) transaction, or the cardholder’s address and ZIP or postal code to complete a mail order, phone order, or e-commerce transaction.

The Rules for Visa Merchants provides:

When should you ask a cardholder for an official government ID? Although Visa rules do not preclude merchants from asking for cardholder ID, merchants cannot make an ID a condition of acceptance. Therefore, merchants cannot
refuse to complete a purchase transaction because a cardholder refuses to provide ID. Visa believes merchants should not ask for ID as part of their regular card acceptance procedures. Laws in several states also make it illegal
for merchants to write a cardholder’s personal information, such as an address or phone number, on a sales receipt.

 

[smitch425]

I guess my point is that I could charge $5000 to my CC on MDE (or a whole host of other sites) without giving a random company some pretty personal information. A better approach is for them to delay processing the transaction for a little while so that your CC company has time to flag the charge. Right now, raise.com has a database with my email, password, cc number, last 4 digits of my ss#, and my mother's maiden name, and a picture of my driver's license (which includes address, DOB, and DL number). If they were to get hacked, I am screwed.

They do not store your credit card info. Not sure about the rest, but I doubt they have anything long term once you have been verified. Here is some info from the site...
https://www.raise.com/security-center

 

[davper]

They do not store your credit card info.

They most certainly do. In my account profile is my CC info.

 

[JohnDaleswife]

They didn't ask for any picture ID. I would have just cancelled the order if they had went that far. But I must admit, if I were to have bought a $1000 card on my first order I would have probably not thought much about doing it then. I do look forward in doing more business with them now, but I like the electronic gift cards.

 

[smitch425]

They most certainly do. In my account profile is my CC info.

They do not store it in their database. It says so right in the link I posted.

 

[davper]

They do not store it in their database. It says so right in the link I posted.

Well, I guess they are lying to you because here is a screen shot that shows my CC info on THEIR website.

 

[smitch425]

Well, I guess they are lying to you because here is a screen shot that shows my CC info on THEIR website.

I doubt they are lying. Lol! They probably have the info stored in different ways. Meaning that you can see it, but it isn't accessible through their database. Or it means that they don't store it unless you give them permission, which you have done by allowing it to be saved. If you are worried about it, why store it there? You don't have to have it saved. You can just enter it when you want to buy something each time.

 

[davper]

If it is on their website, it is on their database.

 

[smitch425]

If it is on their website, it is on their database.

Then that would be the latter explanation I gave for their wording. You chose to keep there, though, not them. Lol

 

[ninecrayons]

I did not have this problem with Raise, but had the problem when I used a similar site - Cardpool. I'm guessing they've run into some problems and this is why they are requesting serious verification.