..to be fuming at shop which won't allow DH to return items using my cc saying it's fraud!!

[mylovelymonster]

Am fuming. Hi everyone. Have a two month old & popped into a clothing store yesterday and picked up a few things & payed using my card. Tried on at home - bit dishraggy - so asked DH to return as he was n town today. Gave him my cc to credit back onto same card as debited day before. BUT salesgirl says no, I have to sign something or it is fraud. Never been an issue before - as long as return has gone on same card and PIN correct then what is the problem?? So, I will have to make a special trip now. Is this a load of BS or true?

Um, yes I would say someone using another person's card would be fraud. I think the shop is in the right on this one!

True as far as I know, I have always had to sign.

Its true and your credit card company will also take a dim view of the fact that you are sharing your PIN number.

Yup, YABU. Only the cardholder should use the card. The shop are in the right.

Yes, of course this is the case.

Yabu.

YABU look at it from the other side an AIBU thread saying that a shop had caught someone using your card and not challenged them.

It is a bit frustrating but the shop were absolutely right to do it.

Most places get you to sign something these days when you return items. Your DH should not be using your credit card or know your PIN. And the shop's "contract" is with you, as the person who bought the items, not with your DH or your credit card, so only you should be able to return them and get the refund.

yabu.
it cvers the shop's background for one thing.

if you're worried about DH being able to return things on your card, why don't you get a joint credit card? you both get your own card and pin, but it's the same account. they should be able to put the money back onto his card as it's the same account.
(not entirely sure whether they would, though, because they can't prove it's the same account.)

but they are very sensible refusing it.

It is true, I always ask to speak to the manager in cases like this and they have the discretion to allow it through - 99 times out of 100 they will authorize it if it all seems above board.

DH and I share an account and have a card each. So he is the account holder of my card so cc company unlikely to be upset. I can fully understand not allowing to make a purchase on someone else's card but when funds are being credited back to an account don't see the issue?
Thanks for your input though. See your point.

YABU - the shop are absolutely right, you are in breach of the T&Cs of your card by sharing your PIN with your dh, they cannot knowingly take part in that without getting major grief off their bank (to the extent that the bank could refuse to let them process card transactions any more which would presumably cause them major problems as a retail business).

The rules around cards, fraud, money-laundering etc are incredibly strict and no business wants to fall foul of them.

Yep, we have all shared accounts too (or in the case of cc, I am the extra cardholder).

Still a different card and a different pin number.

any refunds have to go back on to the card with which it is paid for, so even having a joint bank account there will be 2 different card numbers and as such still subject to the named cardholder doing the refund in person.

If the last 4 digits on the card don't match, there is no way of knowing it is a joint account for which the number is valid.

Thanks all - accept your points. Please don't waste any more of your time on it!

mylovelymonster - don't waste time?

WHat do you think we are hear for.

Oh crap!

HERE HERE HERE.
Not hear.

differentID - the refund would have been back to the correct card linked to the original sales receipt. I wouldn't expect a refund to go back on a card with a different number.

nickytwotimes - lol. I think the real issue hear here is that my DH obviously looks a bit shifty

I have got something refunded which my mum had bought for me, they said they had to put it back to the same credit card but didn't need a pin or for her to sign, they just did the credit.

How could it be fraudulant to put money into someone's bank account?

The refund would have been back to the same card, but OPs husband isn´t the cardholder & surely therefore shouldn´t be using it?

YABU

You would soon be shouting and complaining if they hadn't checked and your card had been nicked.

Imsonottelling...imagine if you left your shopping bag on the bus with the receipt in the bag. Mr or Mrs Dishonest picks up your bag, waltzes back into my shop and says "oh it's my partner's card...put it on mine instead"...bingo they've made a quick buck. In 15 years as a manager I've authorised it only in very exceptional circumstances...the shop could probably offer to extend ther period in which they'd refund until you can get into town tho'.

What laloue said. It could also be as the result of a mugging or house burglary that someone had someone else's shopping and wanted to cash it all in....

Totally fraud. And the shop is protecting you.

No no no. The money always has to go back onto the purchasers card. With the present from my mum the money went back into my mums bank account. How can that be fraud?

What I am saying is that they could have just reversed the transaction, and known the money would go back to the account of the purchaser. Which is what the OPs DH was trying to do.

I can't see how that can be a fraud.