Here’s a quick rundown of things that merchants cannot require when it comes to credit cards:
They cannot require you to provide personal information (phone number, driver’s license number, etc.)
They cannot require you to present an ID.
They cannot require a minimum charge (though many do).
They cannot charge extra for using a credit card. Credit card companies levy a processing fee on the merchant, and they cannot (directly) pass this on to you.
They cannot require you to present a credit card as ID when writing a check.
If you run into trouble with a merchant that violates these terms, you can report them to Visa, MasterCard, or American Express.
Letters can be sent to the following addresses:
P.O. Box 8999
San Francisco, CA 94128
2000 Purchase Street
Purchase, NY 10577
PO Box 297812
Ft. Lauderdale, Fl 33329-7812
Or… You can call AmEx between 8AM and Midnight EST at:
But the most effective thing that you can do if a merchant is uncooperative is to simply shop elsewhere.