After waiting in the long lunch lines in The Pit, Fresno State students paying with a credit card might not think twice when the cashier sends them on their way without asking for ID or signature.
According to university officials, the security risks of this system might not be as great as some might think.
David Binkle, director of University Dining Services, said that one reason the issue of identification has not caused concern is because most students use cash or debit cards to pay for meals.
â€œPeople generally donâ€™t use credit to buy food,â€ Binkle said.
Debit cards require PIN numbers, so identification is not required. The use of this payment method is becoming more popular.
â€œPrior to me coming here a year-and-a-half ago, we didnâ€™t even take debit,â€ Binkle said.
But more and more, debit cards have become the most common form of payment. Binkle said people simply arenâ€™t using credit cards as much anymore.
Students have their own reasons for picking a payment method.
â€œCash is just more convenient,â€ said junior Mauricio Gomez, a construction major who finds that he gets through lines faster when he doesnâ€™t use his card.
Another reason IDs are not required is that the price of the average transaction is minimal. Binkle said that University Dining Services doesnâ€™t have as much liability as other establishments that either sell higher-priced merchandise or a large number of small items.
Whatever is lost at Fresno State due to a declined card or some other issue is covered by the school. However, the amount is never enough to result in a loss of profit.
Freshman Neveida Carrasco, who works as a cashier in the University Student Union food court, said that students donâ€™t usually hang around to find out if their card has been approved.
â€œThe machine is so slow that students donâ€™t usually keep the receipt,â€ said Carrasco, a Chicano and Latin American Studies major.
A card may decline for various reasons. Usually, it is due to insufficient funds. In some cases, fraud is responsible, but according to Binkle, it is rare that a stolen card would be used to buy a meal.
Binkle thinks that most stolen cards would be used for higher-value items, such as televisions and stereos.
â€œNinety-nine percent of the time, the user is carrying the card,â€ Binkle said. â€œIf [fraud] were happening more frequently, we would address it.â€
What concerns Binkle more than suspicious credit card activity is the use of counterfeit cash, which could circulate easily into the public. Smaller bills such as $10s or $20s are often used because they are not easily recognized and donâ€™t raise alarm. Binkle said that these bills are getting so realistic that even counterfeit marking pens cannot distinguish the difference.
â€œIt happens about once every two weeks, but it adds up,â€ Binkle said.
But when it comes to credit purchases, other students are not so lax.
Junior Martin Rodriguez, an art major, said he would want cashiers to check his ID if he were using credit.
â€œI would feel safer,â€ Rodriguez said.
Gomez said he never gave it much thought, but that he would also want his ID to be verified if he were paying with credit.
Binkle said he is aware of the identification concern.
â€œWeâ€™ve talked about asking for ID if the amount is a little higher,â€ Binkle said.
There are also other ways to pay for meals. As part of the commuter meal plan, students can purchase a certain number of meals, which are deducted from a special card.
This card may be obtained at the University Dining Hall. Students may also deduct meals from their ID card. This option is typically for students who live in the dorms.
Paying on campus
There are many different ways to pay for meals on campus:
â€¢ Cash is the quickest, most fail-safe way to pay
â€¢ Debit cards require a PIN to guard against fraud, but there is a wait in The Pit to make sure your payment processes.
â€¢ Credit cards normally require a signature, but for smaller purchases, The Pit does not require one. Using credit is convenient, but it opens up your card to the slim possibility of use by others. Also, there is a wait to make sure your payment processes.
â€¢ For those who live on campus, their ID card can be pre-loaded with a certain amount depending on the meal plan. Students can simply swipe their ID cards at The Pit for payment.