Retailers,do more

We Refer to the letter"A burden thebank should bear".To prevent credit card fraud,consumers should take measures to protect their cards but banks and retailers must do more.It is unfair for the consumers to bear the losses incurred if retailers are negligent.Retailers should be held accountable if they accept credit card payments without checking race or gender from the name stated in the credit card.Currently,retailers seem to be let off without having to account for their lax ocedures.By holding retailers accountable,they will put in place appropriate checks to safeguard their interests.More importantly,the practice of using photo ID for credit card payments should be introduced.This is a necessary inconvenience to safeguard their interests.There are other cashless apyment methods, such as Nets and debit cards, if customers do not wish to produce yheir photo ID for credit card rtansacations. Finaily, banks can do more step up security features such as printing the photograph of the cardholder on the card iyself or introducing a PIN (personal idefication number) for transacation to be or addition to using a signature, which can be easily forged. This is not new and has been introduced in some contries. Case is prepared to work with the Singapore Retailers Association and the Association of Banks in fruad, and we have written those association