Re: In person show ID?
In the U.S., there are many places where you aren't so close. They have to balance the security of requiring people to go there with the convenience of not requiring people who don't live in an urban area to travel well out of their way. I think that they could handle this by sending a replacement card to the address of the user, which would work for a legitimate request (almost always) and wouldn't require the user to go to the store. Letting someone at a call center change the card without security controls is a very bad decision. The two of those physical methods would work reasonably well for any account with an address or ID attached. Prepaid accounts set up without identification might be different, but I believe they are becoming rarer and rarer.