Credit Card Billing Authorization Form: Fill & Download for Free

From the moment one takes the step of applying for a credit card, automatically the person becomes an authorized user except if the account is managed by two or more persons,being an authorized user implies that one can use someone else’s credit card in your name. You can make purchases and use the card as if it were your own, but you’re not the primary account holder.To make you an authorized user, the primary account holder simply adds your name to their credit card account, giving you authorization to use it. You will receive a credit card tied to the account, though you won’t have all the privileges of the primary account holder. For example, you probably might not be able to make changes to the account, like requesting a credit increase or adding more authorized users. Furthermore, the billing address on a credit is as important as the name on the credit card.i shall start with the meaning of the phrase “BILLING ADDRESS”, A billing address is the address connected to a specific form of payment, which is typically a credit or debit card.The billing address is different from the shipping address, which is the address where packages get delivered to. Billing and shipping addresses may be the same, but are sometimes different. When the billing address is different than the shipping address. Companies use the billing address to verify the authorized use of such a card. Billing addresses must match what the card issuing bank has on file, or the attempted purchase may not go through. When the cardholder moves, the billing address must change to match the holder's current address. This can be accomplished by contacting the card issuing bank. In conclusion the name on a credit card has to match with the billing address. For more insights on this subject you can contact me.

The following happened once in our restaurant: this guy had a meal, ate it all, seemed pleased with everything, but then his CC (actually, a $50 Visa gift card he was trying to use as part of the payment) was declined.We learnt afterwards it was due to the fact that most restaurants’ merchant account services (Chase, Heartland, First Data) try to block 20% more than the actual sale to allow for tipping. E.G., if your bill is $25, the bank will actually give an authorization for up to $30, thinking you might leave a $5 tip, and it will to that effect block that amount until the tip portion is adjusted by the merchant in the credit card terminal, and the transaction batched and settled.Because of this, his card wouldn’t go through, but we weren’t given any explanation then, and we didn’t know about this peculiar policy. He procured a different form of payment and left the restaurant without ever asking to talk to a manager.Although this had nothing to do with us, the guy became furious and started writing plain lies over all the online review sites he could find (Yelp, TripAdvisor, UrbanSpoon, etc), claiming our food was spoiled and that we had somehow cheated him or done something to his card. He even called the health department on us, who came by and naturally found nothing.It took us forever to answer all the false claims, and to this day, there are still people who mention his reviews. In the end, it helped us, because his claims were so obviously false, people saw right through them, but were curious about what had happened (it piqued their curiosity, so they came in to have dinner and talk to me about it). It didn’t hurt my business at all, but at the time, his pure anger and the energy with which he tried to destroy my reputation (and therefore my business) shook me up quite a bit.Edit: Credit Card Terminals have changed tremendously since this happened, and today, we actually get messages that tell us what the current balance on a CC gift card is, so this is very unlikely to happen again in this context.

The latest technology is to have a card, and some way to authorize the use of that card.Usually whatever authorization method they use is not very secure.For example, for the chip and PIN systems from Europe, which are supposed to be secure, there are at last 16 ways to subvert them.One of these is a called a “pre-play attack”.When the chip and PIN systems started making the checkouts at Safeway stores in California start taking a significantly longer time, which would mean they’d get backed up, and might end up having to hire more cashiers, Safeway built the pre-play attack into their card authorization machines at the check stand.You need to stop and think a second about that.When Safeway determined that there was a conflict between security and ease of use, they made the trade-off in favor of ease of use (and hiring fewer cashiers).Under Bill Clinton, there was a credit reform act passed.Among other things, it meant that the responsibility for credit card losses was shifted from the credit card company to the merchant.This phased in as soon as the supposedly “more secure” technology phased in.In most places, they do not require a signature for credit cards — even credit cards designated “chip and signature” to avoid the pre-play attack of “chip and PIN” — for very, very large amounts of money.It used to be $10, and then it was $25, then it was $50.I was informed by a merchant the other day that they do not require a signature on amounts under $200 (!). That’s insane.As soon as most debit cards turned into credit cards — you can get a debit card without the “VISA” or other credit card company dong the collections, but you have to shop around, and it’s mostly only credit unions offering them — those rules also applied to debit cards.And because they were able to engage in this cost-shifting, they were fine with the technology being less secure.And so it is.Bank checks have not gone away because there are some people who are simply not willing to take credit cards, or credit card company backed debit cards.Landlords are an example.If I’m a landlord (I am, actually), I’d have to be an utter moron to accept credit card, debit card-with-logo, or practically any other form of electronic payment.Because you could pay your deposit on a card, then pay the first and second months rent on a card.And then, when it came time to pay the third month’s rent, you could have trashed the place, be long gone, and dispute the card charges.And I’d have to eat all that.Or…You could be evicted, but because I can’t stop you sending me money, the law in California means that if I accept the money, I am accepting it as full payment.So if I start an eviction proceeding, and the payment comes in? I’ve accepted payment, and the court dismisses the eviction proceeding — you are practically eviction-proof.If I try to charge to a fee for something, like destroying a built-in microwave, or flushing disposable diapers down the toilet and causing a flood, and the payment comes in? I’ve accepted payment, which renders it payment in full, which renders the fee forgiven.You can damn well be certain that there are some things for which I will only accept a bank check, and you can stuff your card … some place uncomfortable.