For those of you who want to skip reading this, it is going to be me ranting for a bit
This is the 21st century. Not only can we send a man to the moon, but we have an entire space station currently floating around the planet. If you want to talk to someone on the other side of the planet, you can pick up the phone and be connected instantaneously (or even better yet, message them via our global computer network). And if you need to buy something, you can shop at hundreds of thousands of virtual stores right from the comfort of your own home.
And yet, even though we live in this incredibly progressive and modern world, there are still some things that seem stuck in the past. If you walk into a store to buy something (whether it be a DVD player, groceries, or some flowers for your significant other) and pay with a credit card, you have to sign for your purchase. Not that this does anything at all to stop or prevent credit card fraud. In fact, as far as I can tell, there is really absolutely no valid reason to have to sign for your credit or debit card purchases anymore. You don’t have to do it when purchasing online, so why do you have to do it in the store? Maybe once out of a zillion times they check it against the back of the credit card, but even then it does nothing since criminals can actually reproduce valid credit cards with other people’s account numbers and sign the “fake” cards themselves (or a million other ways around this validation which hardly ever occurs anyway).
But even more annoying than having to sign for purchases, is the whole receipt and return policy that most stores have. If, god forbid, you lose that little piece of paper that they give you when you check out (not even a photocopy will do in most cases), you are pretty much out of luck for any kind of return (and I’m not just talking about returns where you just don’t want the item, but even returns where the item is defective or you were misled into purchasing the item by a sales associate). And for those few stores that will accept a return without a receipt, usually they only give you store credit and not your hard earned money back (and even then, the store credit is what the item is selling for today, not necessarily what you paid for it – of course, if the item is selling for more than you originally paid for it, somehow I imagine the store is not going to give you additional store credit).
Large stores and chains (and even small ones) spend a large amount of money on their computerized sales and purchasing systems. So I imagine that, if they really wanted to, they could easily look up your purchase if you didn’t have a receipt (simply by the bar code on the item or your credit card number) and easily validate a return that way. Of course, that would be too easy!
Online purchasing has it right, so why can’t stores follow suit. First, you don’t have to sign anything. You still have to validate the credit card is yours (in a much better manner – by providing your billing address, name on card, security code on card, etc.), but since a signature is a worthless security check and technologically hard to do with online purchases, it’s not required. Second, a receipt is emailed to you (and/or can be printed out), but in most cases it isn’t required to return something since they can just look you up in their system to validate the return and immediately accept it back and return your money. I for one am making more and more purchases online and less and less purchases in stores, not only because I can usually get a better deal online, but also because there are a lot less hassles with purchasing online (I can do it from my computer wherever I am, I don’t have to sign some stupid paper, and I don’t have to worry about losing my receipt and not being able to return whatever it is I’m buying).
I know I’m not alone in thinking that the whole credit card signature and return receipt policies that most stores have are ridiculous, but unfortunately, it seems everyone is just willing to accept them as a necessary evil. I wish more people would speak out about how backwards and obsolete these policies are and maybe we could actually get them changed and bring them into the 21st century.