We could stop credit and debit card fraud overnight, but I need martins help.

Paul_Herring

Any wrote:

Well, I was asked for ID many times abroad.

The only time I've ever been asked for ID abroad is for a copy of my passport when checking into hotels.

Paul_Herring

NickX wrote: »

There is no such thing as a joint account with a Credit Card. All responsibility for the account lies with the Primary Cardholder, so I would think that the text would just go to the Primary Cardholder.

Not an advantage then. In fact a distinct disadvantage to the vast majority.

In fact this is another advantage, the Primary Cardholder becomes immediately alerted to any transactions that an Additional Cardholder may have made.

How often do posters come on here complaining that their ex has run up debts in their name because they had an Additional card ?

I must admit I've not read many such threads. And comparing that to the number of people who get along perfectly fine with their 2nd card-holder...?

And to take this particular idea a few steps further; is the primary card holder going to be held responsible for any fraud for *not* alerting the CC company to a fraudulent transaction because they've failed to phone/text/whatever the 2nd card holder (or vice versa) on receiving every missive they don't recognise?

This is, once again, transferring the onus from the CC company to the card holder. No thanks.

beverleyhills

Not everyone uses a mobile phone

nzseries1

patrick1 wrote: »

ASB Bank in New Zealand does something similar if you want to transfer money using phone/internet banking - it sends a text with a code and you have to quote the code to validate the transaction.

Yes, and I wish they wouldn't... it's SO annoying, because I can no longer transfer money from here in the UK using ASB Bank.

Any

Paul_Herring wrote: »

The only time I've ever been asked for ID abroad is for a copy of my passport when checking into hotels.

O.K., so just because you haven't been asked for ID yet, let's not think about the fact that it can help. I didn't realise this thread was to find out who has been asked and who hasn't for ID, I thought this is a thread to discuss whether there is a way to combat fraud...
However, I have been asked namely in Gran Alicante (Spain) this summer and Gambia this spring.
I have not been asked namely in Czech Republic, Germany and Hungary. Haven't been anywhere else in the past 18 months. But if you want me to I will report. when I go somewhere...

LongTermLurker

Any wrote: »

Well, I was asked for ID many times abroad. Maybe I look dodgy - or you haven't even been abroad.
So you don't see the opportunity here that the retailer can ask to see the ID then?? Especially for larger purchases?
You are right about the shopping over the phone or on the internet though.
Even though I think that person passing credit card details over the phone must be clearly brainless - it't about 20 second job to hack someones phone line.
I think actually that there would have to be many of these protection systems combined together...
I think the system where when you purchase something on-line you have to verify by inputing your password. It's called "verified by VISA" I think..

Any, why on earth would I say I'd travelled abroad if I hadn't? Yes, I have been abroad many times in my working and personal life, and yes, I always pay on credit cards and always use cards to withdraw foreign currency, because the exchange rate is far better than at any bureau de change. If it's between you looking dodgy and me lying about ever being abroad, then I'm afraid it must be your face :rolleyes:

No, I don't see that it would be of benefit. I would say Britain is one of the most fraud-aware countries and retailers do now check signatures on the odd occasion they accept them - but in signature days, I rarely remember Europeans checking signatures; they seem far more blase about such things. Therefore, I doubt they would bother to ask for the additional ID. To a retailer, if I'm able to enter the correct pin that's about as much as they care most of the time.

It's actually a bit harder than you might think to "hack" into a PSTN line - it's not like in the films where a guy shins up the nearest telephone pole and taps into the line. On the other hand, you should never talk about anything private or personal using Voice over IP (eg Skype) because then the conversation is actually data, just like an email or webpage. Saying that, it's true that passing your details over the phone is the least secure way of transacting because you're relying on the person at the other end not writing it down, repeating it, having the volume turned right up, or even putting you on speakerphone!

Verified by Visa or Mastercard Securecode (??) are a good second layer of defence for online transactions, but a lot don't like the extra complexity. And that, my friends, is where the problem lies - you could introduce the best card security in the world, but the biggest hurdle is getting the public to take it up.

I have been asked namely in Gran Alicante (Spain) this summer and Gambia this spring.

They didn't take copies of your ID as well did they?

Any

LongTermLurker wrote: »

Any, why on earth would I say I'd travelled abroad if I hadn't?

For the very same reason as you were trying to dismiss the fact that I have been asked for my ID... I didn't get why would someone comment on that... Anyway, enough about this, if you want refer to my thread #66. This is not a discussion who, when and where have been asked for ID CARD!!!!!!!

I have to agree with the complexity issue - I cannot sometimes remember the password - mainly whether it was beginning on capital letter, lower case or how many numbers I've put in... Because you cannot have just whichever password you want, but it has to have 2 numbers and bla bla bla...

But unfortunately, if it wasn't complex, it would be probably easy to walk around it..

As for the phone... I don't even pick up my land line so I was realy reffering to mobile phones. And yes, they are extremely easy to hack into.

Any

LongTermLurker wrote: »

They didn't take copies of your ID as well did they?

Ha ha ha, now you are being simply childish.
They were checking my name and picture, funny enough.

LongTermLurker

Any wrote: »

For the very same reason as you were trying to dismiss the fact that I have been asked for my ID...

Sorry, I wasn't dismissing the fact that you'd been asked for ID, I was saying I've never come across it myself. In Britain, a credit card is often used as ID, and it doesn't seem to me to combat fraud by seeing someone's passport - yes it has a photo on it, but a) not everyone will have their passport with them and b) I can't see shopkeepers being enormously bothered. If they were ever asked "have you seen ID?" they would just say "yes, it looked like him" - unless they have to record the passport/ID number, the benefit is very limited, I think. As I said, it's the take-up that's the problem.

Jemma-T

Confirmation by text?

Sounds stupid for all the reasons people have mentioned and it would also add to the crime figures because people will be assaulted for their cards AND phone. I think they've been trialling something similar in Japan too.

The banks don't mind fraud one bit. What they mind is that the general public think they're doing something about it. Chip and PIN is quite good but anything else would be even more annoying. I just simply want my goods and to leave the shop or get off the Internet.

My local town (including Argos) ran a scheme where you had to leave a thumb print on a receipt, I politely told them to !!!! off and mind their own business. They all seemed shocked that I didn't want to help 'combat card fraud'. Yeah, kill all dogs at birth and nobody will be bitten by them.