Buying petrol with a credit/debit card.

uktim29

molar wrote:

Not really. Just use your credit card imprinter and stationary to copy the card. Customer signs the slip. You telephone the bank for authorisation so you know your going to get the money. Using signatures is hardly massively open to fraud as all the potential fraudsters don't know where and when this event is going to occur.

That wouldn't work. Firstly it wouldn't be a quick call, you'd be waiting for ages and that would build up huge queues. Secondly at least 50% of the customers would say they haven't got time for you to call up.

judderman62

moonrakerz wrote:

Don't, don't don't EVER use a debit card in a petrol station !!!!

why ?

reehsetin

^im guessing because of stuff thats been in the news about high levels of card fraud in petrol stations

judderman62

reehsetin wrote:

^im guessing because of stuff thats been in the news about high levels of card fraud in petrol stations

not seen that

uktim29

judderman62 wrote:

not seen that

Isn't this the other way around if it exists. Fraud to the retailer not the consumer?

suffolkb

Not petrol,but my daughter had her hair cut in London last week and then found that she didn`t have her card (twin sis had `borrowed` it). The shop took her student card off her and we paid the bill the next morning. Poor girl was really embarassed.
I used to work in the local garage and when this happened we would take the car reg and name/address of the customer,giving them 24 hours to pay. If they looked especially dodgy,we were told to take their photo with the polaroid camera kept behind the counter. I refused to do this as it felt wrong, and the CCTV camera was pointing at them anyway.

Altarf

uktim29 wrote:

Isn't this the other way around if it exists. Fraud to the retailer not the consumer?

There is an increasing amount of fraud with Chip & Pin cards, where the retail shop employee will either take a copy of the information on the magnetic strip of your card (by swiping it or from a tampered terminal) and getting your PIN (either by just watching you key it in, CCTV above you, a tampered terminal, etc). They then make up a dummy card with the magnetic strip information and stick it in an ATM and withdraw cash. As a lot of UK ATMs and most of the rest of the world's ATMs don't use the Chip, then they don't need to clone the Chip.

Now if that happens with your credit card that is bad. But if it happens with your debit card and they empty your bank account, well that is very bad.

And before anybody says this is all a bit theoretical -

http://news.bbc.co.uk/1/hi/england/4980190.stm
http://news.bbc.co.uk/2/hi/uk_news/england/surrey/6334671.stm

inmypocketnottheirs

I visited the US in November. I made several purchases using Visa and Mastercard. On several occasions my cards were just swiped at the till and given back to me. I did not have to sign or enter a PIN. If fraud is the massive problem that we a misled into beleiving by the banks, then would this not be a problem in the US too?

IvanOpinion

Owing to a set of circumstances I managed to leave the house one day in the wrong trousers and went and filled up the car .. no debit cards, no credit cards, no cash, no id .. nothing. I went in explained and the chap who simply told me to come in at some point the following day ... I guess they had my registration (although that could have also been false).

I returned about 30 mmutes later with the money .. very embarassing, but the assitant assured me it happens all the time

Ivan

us,thecat&thedebt

my card wasdeclined at a bp garage after putting in £35 of petrol, they had a cash machine outside so i used that insted.. there was plenty of money in the account

they watched me very closley though as i went back outside..