Does it matter what address you put down when buying online?

MrTomato

So, as above.

What I mean is when they ask for the cardholders address, does it matter what you put?

I ask this because I let my dad use a credit card to book some flights this morning as he doesn't have a debit or credit card, and he put the cardholder address as his shop, which is in a different city to the one I live in.

The transaction seems to have gone through, but will it be cancelled?

Thanks.

jonesMUFCforever

If it's gone through its gone through.
It does affect what you put down especially with white goods - online security systems are supposed to cross reference card numbers to their registered address.
Some shops let you put in an alternative second address for delivery to a place of work for instance.

It seems that a lot of fraud these days stems from flight booking over the internet but with e-tickets not sure what can be done to make it better.

Xbigman

It is a moot question as you should never let someone use your credit card. You should buy the item(s) yourself, that way you can put down your correct address but then put in your fathers address as the delivery address.

In a case where you let someone borrow your card and then use their address, if there is a dispute (or you card is subsequently used fraudulently) any credit card company will realise the information entered is wrong and they won't take any responsability. Everyone should keep this sort of thing in mind if they lend cards to friends or relatives.
Regards



X

MrTomato

Let's not get into the ins and outs of lending a credit card to my dad. I just wanted to know the answer.

What am I going to say to him? "No you cannot use my card. Get your own. Miss out on your flight. Miss this flight which will end up costing our family a considerable amount if you don't get there."

The chances of fraud aren't elevated if I let my dad use my card for one transaction.

dtaylor84

MrTomato wrote: »

Let's not get into the ins and outs of lending a credit card to my dad. I just wanted to know the answer.

The answer is that yes, it can matter. Anti-fraud measures can include verifying the cardholder address is correctly entered (the CVV number is also used similarly).

What am I going to say to him? "No you cannot use my card. Get your own. Miss out on your flight. Miss this flight which will end up costing our family a considerable amount if you don't get there."

No, you can pay for your dads flight with your card if you wish - but YOU should order the tickets on his behalf, to avoid breaking the terms of the credit agreement.

The chances of fraud aren't elevated if I let my dad use my card for one transaction.

No, assuming your dad is trustworthy, but the chances of your card company attempting to weasel out of responsibility for any future fraudulant charges do increase...

Xbigman

When my daughter wants me to order stuff online I go to the website she wants so I can check out if it is legit, she then takes over and books the flight, then I put in my card details at the end. Actually handing over your card is another matter entirely.

If you only want a simple answer to your question, then yes it does matter.
Regards



X

scubaangel

From the POV of a retailer taking card payments remotely, the transaction is not insured at our side if the address details (irrc postcode numbers and house number) do not match those of the address the card is registered at. So shouldnt be an issue unless they decide to cross reference that particular transaction - I believe the company who handle ours take a random sample to check, or you for whatever reason end up needing to cancel the card in the next couple of days.