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Barclaycard is bullying me!
Spark
Posts: 817 Forumite
in Credit cards
I have tried to buy online with my Barclaycard but that little window inviting me to register for Visa secure appeared again. Last time, I had he choice to "activate later", then it would let me through to the last page of the order process (order confirmation).
This time, I didn't have that option, it was " or you register, or no order!
Why do they want my date of birth anyway? Don't they have a proper website where you can go, without being "cyberstalked" every time I want to buy something with their card?
I just don't like having my arm twisted, or being bullied into something that way.
Anyway, why do they want my date of birth for? That's new to me.
Is it safe to register that way?
This time, I didn't have that option, it was " or you register, or no order!
Why do they want my date of birth anyway? Don't they have a proper website where you can go, without being "cyberstalked" every time I want to buy something with their card?
I just don't like having my arm twisted, or being bullied into something that way.
Anyway, why do they want my date of birth for? That's new to me.
Is it safe to register that way?
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Comments
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This is a new "fraud busting" initiative from Visa, not just from Barclaycard. So I'm afraid if you have any Visa cards, you'll be "cyberstalked" for every purchase. Retailers appear to no longer be taking a chance by not complying with Verified By Visa.
P.S Didnt mean to imply that verified by visa is new, just the push to get as much backing for it. APACS are behind them on this and several major retailers to boot. In fact, Argos amongst others have sent emails confirming you can no longer shop online without using this facilty.0 -
Retailers who do not comply get charged more for card transactions and have more risk or customers claiming thier cash back. Real pain in the backside for small businesses.0
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I agree. It's a bit like online chip+pin, putting the onus of fraudulent transactions on the consumer. Even more reason to have a Fort Knox level of computer security.theladyknows wrote: »Retailers who do not comply get charged more for card transactions and have more risk or customers claiming thier cash back. Real pain in the backside for small businesses.0 -
Date of birth to verify it's you when you register -- and possibly they will ask for details on your card. It's been some time since I did mine.Why do they want my date of birth anyway? Don't they have a proper website where you can go, without being "cyberstalked" every time I want to buy something with their card?
...
Anyway, why do they want my date of birth for? That's new to me.
Is it safe to register that way?
You can also register for verified by visa on the barclaycard website. For more information: Verified By Visa UK Site0 -
If it makes my cards safer im all for it !!
Its not so much about being bullied into doing it , its more of a case of these are our conditions if you want to use your card online you must do it in the same way your T&C state you must pay an amount each month etc etc !!
Just think of it as taking that extra measure to stopyou losing a lot of money and a lot of hassle !!0 -
A letter added to your monthly statement telling you you won't be able to buy online with the card unless you register on the website, or a message online when you log into your account would feel more genuine for a start than some windows popping up in the middle of a transaction asking you for details that would allow for a nice identity theft.(card number, name on card, security number and date of birth).
I am not against the principle, just the way they go about it.
I remember having the same kind of things with my mastercard, but Abbey had sent at the time a letter explaining everything. I didn't register my mastercard then because when I looked at the shops which were participating, I didn't know any of them, so I thought what's the point of registering if I will never shop there.0 -
Verified by Visa (VBV) and Master Card Secure Code (MCSC) are similar to the PIN part of Chip & PIN it will reduce fraud, but IMHO there's a liability shift for fraud that does occur - onto the card holder. As Spark points out it seems we (cardhodlers) aren't getting the choice whether to sign up or not.
Until consumers are presented with the facts and given the choice (as they were previously) then Spark is right, this is a form of bullying.
VBV and MCSC are not embraced by ALL card issuers and even less retailers.
Neither system works with Mail, Internet or Fax transactions.
And it would appear there could be a liability shift - onto the consumer when things go wrong.
In addition goods will still go amiss at point of deliver, and this is where the real crime occurs.
After saying all that, there is a niche place for VBV and MCSC.
IMHO it should be mandatory for Internet retailers wo sell services i.e. Music and Movie Downloads, on-line gambling etc etc to be signed-up for VBV or MCSC. Either that or a means of card issuers veryfiying with the genuine cardhodler that they have indeed carried out a transaction with one of these providers. Maybe by phone or on the Internet via secure mail. (Retailer verifies card with card issuers - card issuer verifies transaction with cardholder - card issuer verifies card user with retailer - transcaction complete).
Retailers who sell physical goods via the Internet, Mail or Order, or by Phone or Fax then something is needed to deter the theft goods at point of delivery. (This is where the actual crime takes place. It's not until crooks acqurie goods by deception that there is any loss).
IMHO - We the cardhodlers need to become more involved.
We need a deterrent (Prevention is better than cure)
We need something to remove any liability from us if fraud does occur
And
We need something to force theives to show their hand(Help Identify them)., and provide a forensic auditable trail (without the need for databases).
Here is a solution - That's for you, not the thieves, not the banks but you.
Card Fraud - How to Beat Most of It.0 -
bit OTT the title, you've obviously never been bullied for real, if you think this is bullying0
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Sssssss, you seems a bit oversensitive.
Obviously they didn't bang my head on the wall, or kick me, or make my life miserable everyday until I sign up, but when you are not presented with a choice it is a form of bullying, if only mild, but enough to pi55 me off.
As for never have been bullied for real, you should come and work with my foreman................
James is absolutely spot on. But the day chip and print will be widespread is not around the corner yet.
I think moonrakerz was onto something when he said :
"Now call me cynical if you like, but I have long been convinced that the banks actually like a degree of fraud, that they can control. The introduction of Chip & Pin was not so much to reduce fraud but to enable the banks to offload any excessive fraud onto the retailers."
Is it only barclaycard who are forcing people to sign up in this bullyish way, or does it happen with other cards?0 -
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