What would you have done?

JReacher1

duchy wrote: »

If you give your card number to five or six different companies in a month how exactly would you know which one had stolen your card details and used the card fraudulently ?

I wouldn't. However it is genuinely accepted practice when ordering or reserving things over the phone to provide a card number. I would be very surprised if you've never done it.

The trick i find to protect myself is always use a credit card not a debit card and regularly check my online transactions to ensure my card has not been compromised.

I have never as yet been defrauded (touch wood).

Feral_Moon

JReacher1 wrote: »

Doesn't this just take a copy of the card? Is there much difference between allowing your card to be swiped like this and writing the number down? In both occasions the Retailer can abuse the card number (if they wish).

Thinking about it, absolutely no difference at all and it may well be that the guy running the stall simply ran everyone's card details through a live terminal at a later date rather than hand in a bunch of card slips to be processed at the bank. I'd have to check my credit card statement to see if there's any indication on how the transaction was processed.

JReacher1

happyandcontented wrote: »

They would need the three digits to use it either online or over the phone..

Not a big chain, but a small locally based chain of three or four pubs from the business cards I saw.

I am just not comfortable with how it was handled and why they thought it acceptable to put such details on a list behind the bar.

I could kick myself for not just leaving the cheque and saying "cash it or not, it is up to you"

1) the CVN number is three digits and I am sure they can remember it when they take your card to be swiped.
2) You can actually bypass the CVN number if you wish. It's not easy to do and isn't standard but there are ways around it.

duchy

daytona0 wrote: »

1. Pre-paid credit card?

2. Ring up and give the details of a card you hardly ever use. Make sure the account is empty, apart from the cost, and then make the payment. Then declare the card lost a week later and get a new card.

Simple solutions

Doesn't sound very simple to me.
I'm afraid I'd have said if they had no mechanism for me to pay then they could take the cheque or go whistle and if they weren't happy they were welcome to call the police.

I've had my card cloned once I have no intention of having to sort that kind of mess out again.

JReacher1

Feral_Moon wrote: »

Thinking about it, absolutely no difference at all and it may well be that the guy running the stall simply ran everyone's card details through a live terminal at a later date rather than hand in a bunch of card slips to be processed at the bank. I'd have to check my credit card statement to see if there's any indication on how the transaction was processed.

I've only done this once recently and that was at a Somerset cricket Match where I bought a shirt off a stall. He scanned it on one of these copy machines but I suspect he just manually put it through the machine when he got back to his shop!

Feral_Moon

JReacher1 wrote: »

I've only done this once recently and that was at a Somerset cricket Match where I bought a shirt off a stall. He scanned it on one of these copy machines but I suspect he just manually put it through the machine when he got back to his shop!

I've got the paper slip in my phone wallet and it was done via Streamline. I seem to recall he may have made a note of the 3 digit security number but there's no record of it on my slip so maybe he just wrote it on his part.

happyandcontented

duchy wrote: »

Doesn't sound very simple to me.
I'm afraid I'd have said if they had no mechanism for me to pay then they could take the cheque or go whistle and if they weren't happy they were welcome to call the police.

I've had my card cloned once I have no intention of having to sort that kind of mess out again.

That is exactly where I was coming from. Why should I risk the hassle?

If I hadn't had the cheque book with me, fair enough I suppose, but it was being held out to them and they wouldn't take it off me.

Poppie68

JReacher1 wrote: »

I've only done this once recently and that was at a Somerset cricket Match where I bought a shirt off a stall. He scanned it on one of these copy machines but I suspect he just manually put it through the machine when he got back to his shop!

They would need your pin number to manually put it through the machine.

Feral_Moon

Poppie68 wrote: »

They would need your pin number to manually put it through the machine.

Not as a "no customer present" transaction.

JReacher1

Poppie68 wrote: »

They would need your pin number to manually put it through the machine.

No when I say manually I don't mean in the chip and pin machine. Some Retailers can manually charge cards without the three digit code via their payment processor using the cardholder not present option.

The problem they have is without the security code the transaction can be disputed as being fraudulent by the consumer.