Tesco change their credit card login

mrg9999

Supposedly for increased security.
I find I can now script or automate login, something which with their previous system had defeated me. If I can defeat it, criminals will find it very easy. (please don't ask me how) (google BURP and CURL)
Is there a credit card company that offers two factor login? I have only seen it for bank accounts like Barclays, HSBC or Natwest.

chattychappy

As far as I am concerned, the weaker the security, the better it is for me. CCs are liable for fraud. If their systems are less robust, it is more difficult for them to claim that I performed the disputed transaction.

It's like PINs v signatures. Signatures are easy to copy. So now we're on PINs, if your PIN is used for a transaction it's very difficult to persuade a CC that you didn't perform the transaction (or somebody on your behalf). Less fraud overall, but perversely it can mean more risk for the customer.

Sally22_2

Mine is still the same as it was? A username then two different pin numbers?

oldagetraveller

Yes, no change for me.
Username then selected characters from my PIN and password. Only one PIN though and not two? "then two different pin numbers?"

pvt

What risk is posed by someone hacking your CC account? Worst they can do is see what !!!!!! sites you've paid subs to.

aliasojo

Just gone through the new procedure this morning. Was on my last 'delay' so had no choice.

This is now the same as MBNA.

pvt

or pay your bill for you...

Consumerist

I refused to give them my mobile number which they could sell to someone else so now have to request a one-time security number through the post every week. What fun.

Didn't recognise my computer either - they say that could be because I cleared my browser history. Every other bank recommends clearing browser history after online banking.

They've already lost the plot with the supermarket, now they're going to do the same with their credit card.

Still usable to get clubcard points but won't be using it for purchases much.

zerog

Consumerist wrote: »

I refused to give them my mobile number which they could sell to someone else so now have to request a one-time security number through the post every week. What fun.

Didn't recognise my computer either - they say that could be because I cleared my browser history. Every other bank recommends clearing browser history after online banking.

They've already lost the plot with the supermarket, now they're going to do the same with their credit card.

Still usable to get clubcard points but won't be using it for purchases much.

jeez, just get a free sim from somewhere and use that if you're so paranoid. they certainly haven't sold my mobile number to anybody.

tesco requires you to set a flash cookie if you want to avoid the phone verification step. you can selectively clear everything else and just keep the tesco flash cookie if you want (i don't, because i'd prefer tesco to pay 1p or whatever to send me a text every time i log on)

Gromitt

mrg9999 wrote: »

Is there a credit card company that offers two factor login? I have only seen it for bank accounts like Barclays, HSBC or Natwest.

Tesco have always sent a code to my phone before I'm able to login, are you saying they have now dropped this?

Lou85

zerog wrote: »

jeez, just get a free sim from somewhere and use that if you're so paranoid. they certainly haven't sold my mobile number to anybody.

tesco requires you to set a flash cookie if you want to avoid the phone verification step. you can selectively clear everything else and just keep the tesco flash cookie if you want (i don't, because i'd prefer tesco to pay 1p or whatever to send me a text every time i log on)

Zerog, you are correct. Tesco Bank do not sell mobile numbers. The reason they ask for contact numbers is so that they can CONTACT customers to perform security checks etc. There is no pleasing some customers. A company is bad when you have to queue to speak to someone and incur paying for an 0845 number yet some people refuse to provide a contact number so what do they expect?

With regards to security, the six digit pin and password security was brought in last year but it's been a phased process due to the number of credit card customers Tesco Bank has. The security is tighter than the previous security as this no longer has any personal information in it i.e. previous security involved DOB which can be compromised by a fraudster. Mrg9999, what do you mean script/automate login?

The flash settings are a problem for many customers due to the deletion of browser history which is why Tesco Bank offer the One Time Access Code text to mobile phones to allow instant access. There is only so much they can do to help customers but if customers aren't willing to provide a mobile phone number then what else can they do to speed up the process for online banking?