M&S Bank - pleasant customer service but really?

rosalinda88

meer53 wrote: »

You would have been moaning if someone had intercepted your card and called to activate it.

https://en.wikipedia.org/wiki/Two-factor_authentication

rosalinda88

anoncol wrote: »

But dont you love the debit card design?

Dird wrote: »

My card arrived Today & I was thinking the same...easily the best card design. If it wasn't for this dodgy gadget I need to open the online account I may have kept the M&S account just for the debit card

shortcrust wrote: »

My guess is that anoncol was being sarcastic, based purely on the fact that I can't believe there are two people who like the design!:D

The last time I rang I messed up my security number and had to reset it. That process was more complex and less well explained than it should have been.

I was surprised with the colour scheme of the card. I know small banks have to make theirs stand out from the crowd e.g. Tesco's purple but I was expecting something more along the M&S green. White on white makes it very difficult to read.

meer53

rosalinda88 wrote: »

https://en.wikipedia.org/wiki/Two-factor_authentication

You've lost me, what does that have to do with my post ?

You're complaining about M & S security procedures, would you rather they didn't bother ?

rosalinda88

meer53 wrote: »

You've lost me, what does that have to do with my post ?

You're complaining about M & S security procedures, would you rather they didn't bother ?

You implied answering questions to a human improved security. Good security uses multiple authentication. Since you are too lazy to read, if I dumb it down:
- it is why you don't get your PIN and card in the same envelope
- the more pieces of things to remember, most people start writing down and repeating passwords for different products

meer53

rosalinda88 wrote: »

You implied answering questions to a human improved security. Good security uses multiple authentication. Since you are too lazy to read, if I dumb it down:
- it is why you don't get your PIN and card in the same envelope
- the more pieces of things to remember, most people start writing down and repeating passwords for different products

Wow, what a rude post :eek:

For your information, i work for a bank, i deal with fraud and AML procedures, i know all about security and how things work. No need to "dumb things down" for me thanks.

To clarify my post as you seem to misunderstand it :

You are unhappy about having to answer questions to validate a card. My response was pointing out that if this process wasnt in place, and someone validated your card without this procedure, and used said card, you would also be complaining about that too.

Extra security works, but not all of the time. If it did, we would never see any fraud. As i spend all my working week dealing with fraudsters, i stand by my post.

anoncol

rosalinda88 wrote: »

You implied answering questions to a human improved security. Good security uses multiple authentication. Since you are too lazy to read, if I dumb it down:
- it is why you don't get your PIN and card in the same envelope
- the more pieces of things to remember, most people start writing down and repeating passwords for different products

Activating the card is two factor authentication so you don't even make sense whilst trying to be patronising.

The card has been posted to your address and you need secret data to tell m&s call centre.