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is it worth covering up the security number on the back of credit/debit cards

hewhoisnotintheknow
hewhoisnotintheknow Posts: 3,162 Forumite
Part of the Furniture 1,000 Posts Combo Breaker
in Credit cards
is it worth covering up the security number on the back of credit/debit cards with a small bit of tape, or can people still use the other details to buy things once they have skimmed your card etc

Comments

  • skyrider007
    skyrider007 Posts: 1,108 Forumite
    It's not necessary unless you're using your card in scary places. Even if someone have the C2V code, they're unlikely to be able to use it online or over the phone as they don't have the statement address.
  • hewhoisnotintheknow
    hewhoisnotintheknow Posts: 3,162 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    skyrider007 wrote: »
    It's not necessary unless you're using your card in scary places. Even if someone have the C2V code, they're unlikely to be able to use it online or over the phone as they don't have the statement address.

    my local shell garage was caught stealing the card details, where\how would they of used these?
  • skyrider007
    skyrider007 Posts: 1,108 Forumite
    hewhoisnotintheknow wrote: »
    my local shell garage was caught stealing the card details, where\how would they of used these?

    I think those kind of fraud is by the mean of card cloning. Basically they copied the data on the mag strip of your card and put it on another card making it usable in *physical* shops or cash points abroad where Chip and PIN does not exist.

    You don't need to take any further action apart from keeping your card and security details safe. The bank is ultimately responsible for any loss due to fraud.
  • Christopherj_2
    Christopherj_2 Posts: 255 Forumite
    If your card is a Mastercard and you make purchases online, the buyer now has to enter a Mastercard secure code to proceed with their purchases.

    When the card holder makes a purchase for the first time online, they are requested to setup a secure code.
  • gax23
    gax23 Posts: 205 Forumite
    Christopherj wrote: »
    If your card is a Mastercard and you make purchases online, the buyer now has to enter a Mastercard secure code to proceed with their purchases.

    When the card holder makes a purchase for the first time online, they are requested to setup a secure code.

    NatWest have a similar thing for their debit cards (not sure about credit cards, as I don't have a NW one). It asks for parts of your online banking password. Quite a good idea.
  • skyrider007
    skyrider007 Posts: 1,108 Forumite
    VISA have a similar system called Verified by Visa.
This discussion has been closed.
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