JDKJ said:
I think GameStop went beyond the last four digits of the card number. It looks like they record the entire card number. Which they have no need to do that I can see. When the swipe the card or enter it's number at the terminal connected to the card-issuer, all the information that the card-issuer needs to honor the debt on behalf on their cardholder is transmitted. Why does GameStop need my full card number and personal information in order for the transaction to be honored by my cardholder? They don't. They're just fishing for information they can use for their own personal purposes (mailing lists, complying customer demographic statistics, etc., etc.)
In-store transactions do not need personal information, however, they need all card digits to complete the transaction, whether swiped or manually imputed. When a card is swiped or entered they need all digits because:
The first digit is the system number.
(Visa/MC) Digits two through six are the bank number, The digits after the bank number up through digit 15 are the account number, and digit 16 is a check digit (used with the CVV2 number).
(AmEx) Digits three and four are type and currency, digits five through 11 are the account number, digits 12 through 14 are the card number within the account and digit 15 is a check digit.
Also, the mag stripe carries the name, address and telephone number of the holder to verify information with the issuing bank. This is why some transactions require a person to enter their zip code or telephone number.
This GameStop person was an idiot to ask. A person does not need to vocalize their private information for a transaction, but the plaintiff is even more of an idiot for giving it. And if California law says
JDKJ said:
that the information can't be requested and recorded by the seller in order to effect a credit card transaction.
, then all online retailers are violating said law. Therefore, as an online retailer, I should stop selling to California.