Splitting of zero-offset reflected shear-waves is measured directly from three-component finite-difference synthetic seismograms for media with intersecting vertical crack systems. Splitting is simulated numerically (by finite differencing)as a function of crack density, aspect ratio, fluid content, bulk density, and the angle between the crack systems. The type of anisotropy symmetry in media containing two intersecting vertical crack systems depends on the angular relation between the cracks and their relative crack densities, and it may be horizontal transverse isotropy (HTI), tetragonal, orthorhombic, or monoclinic. The transition from one symmetry to another is visible in the splitting behavior. The polarities of the reflected quasi-shear waves polarized perpendicular and parallel to the source particle motion distinguish between HTI and orthorhombic media. The dependence of the measured amount of splitting on crack density for HTI symmetry is consistent with that predicted theoretically by the shear-wave splitting factor. In orthorhombic media (with two orthogonal crack systems), a linear increase is observed in splitting when the difference between crack densities of the two orthogonal crack systems increases. Splitting decreases nonlinearly with the intersection angle between the two crack systems from 0 degrees to 90 degrees. Surface and VSP seismograms are simulated for a model with several hat homogeneous layers, each containing vertical cracks with the same and with different orientations. When the crack orientation varies with depth, previously split shear waves are split again at each interface, leading to complicated records, even for simple models. Isotropic and anisotropic three-component S-wave zero-offset sections are synthesized for a zero-offset survey line over a 2.5-D model of a carbonate reservoir with a complicated geometry and two intersecting, dipping crack sets. The polarization direction of the fast shear wave, propagating obliquely through the cracked reservoir, is predicted by theoretical approximations for effective properties of anisotropic media with two nonorthogonal intersecting crack sets.