Barclaycard - View my PIN

chattychappy

williham wrote: »

It's complaints like these that hold industries back. Of course you should be able to view your pin online. Other banks have been doing it for as long as I can remember and obviously don't have any problems.

"other banks", "as long as I can remember" ?

Apps haven't been around that long and some CCs still don't have them. Not all CCs make their PINs available online.

As for "obviously don't have any problems"... well, time will tell.

brispope

It would certainly be an interesting conversation. "Did you write down or disclose your PIN?" "No, you did"

glentoran99

So, they have to steal your phone


Bypass your phone security


Access the app via a 5 digit code


in the meantime have stolen your card?


Likely?

[Deleted User]

datlex wrote: »

It sends you a text after showing you the pin to say someone looked up your pin, which means if someone else did you would know and could take action.

Of course, if someone has stolen/found your phone, you won't receive the notification text. They will.

Pay_me

glentoran99 wrote: »

So, they have to steal your phone


Bypass your phone security


Access the app via a 5 digit code


in the meantime have stolen your card?


Likely?

That is what I was thinking I can never see a situation where someone would have my phone, then bypass my phones security to get to the apps then bypass the apps security while having my barclaycard to stick in an ATM or point of sale terminal. It just isn't going to happen.

My phone and my cards are kept in different places even when they are on me etc.

I do not see what the problem is.

chattychappy

Pay_me wrote: »

I do not see what the problem is.

1) Greater chance of someone seeing your PIN - because you get into the habbit of looking it up rather than memorising it.
2) Greater chance to hack - screen grabbers, phone/bank security compromised.
3) Duress. Somebody "makes" you look it up.

There are counter-arguments for all the above, I know. As I said in my first post to this thread, there are risks but the overall risk might be less than if you don't have the facility.

brispope wrote: »

It would certainly be an interesting conversation. "Did you write down or disclose your PIN?" "No, you did"

Paradoxically, the safest answer is probably "Yes, I did write it down. I think they got hold of the piece of paper. I kept it with my card because it's more handy that way."

The logic is this: you are not liable for unauthorised transactions. The problem with PINs is that cardholders can make a purchase/withdrawal, report the card as stolen and then claim the transaction was carried out by the thief. If, when asked, you say you never wrote it down and you don't know how they could have got the PIN, then a very obvious explanation is that you lied. How else could the thief have got hold of your PIN? Card companies rely on the PIN system as proof that the transaction was undertaken by the cardholder. HOWEVER, if you say you wrote it down and the thief might well have got hold of it, then that becomes a very credible explanation as to how the thief used PIN for the transaction. The CC might moan about your negligence. They might even be able to hold you liable for £50... but that's all they can hold you liable for.

glentoran99

chattychappy wrote: »

1) Greater chance of someone seeing your PIN - because you get into the habbit of looking it up rather than memorising it.
2) Greater chance to hack - screen grabbers, phone/bank security compromised.
3) Duress. Somebody "makes" you look it up.

There are counter-arguments for all the above, I know. As I said in my first post to this thread, there are risks but the overall risk might be less than if you don't have the facility.




Paradoxically, the safest answer is probably "Yes, I did write it down. I think they got hold of the piece of paper. I kept it with my card because it's more handy that way."

The logic is this: you are not liable for unauthorised transactions. The problem with PINs is that cardholders can make a purchase/withdrawal, report the card as stolen and then claim the transaction was carried out by the thief. If, when asked, you say you never wrote it down and you don't know how they could have got the PIN, then a very obvious explanation is that you lied. How else could the thief have got hold of your PIN? Card companies rely on the PIN system as proof that the transaction was undertaken by the cardholder. HOWEVER, if you say you wrote it down and the thief might well have got hold of it, then that becomes a very credible explanation as to how the thief used PIN for the transaction. The CC might moan about your negligence. They might even be able to hold you liable for £50... but that's all they can hold you liable for.

If that's the road your going down, someone could make you tell them

chattychappy

glentoran99 wrote: »

If that's the road your going down, someone could make you tell them

Fair enough. As I said, there are counter-arguments.

I was thinking of my friend was marched at knife point to a quiet spot and had his cards taken from him. He had 4. They told him to give them the PINs. One would wait with him to stop him cancelling the cards whilst the other guy would use them. They told him his throat would be slit if the numbers were wrong. He was understandably shaky and said he could only remember two of the PINs because he didn't normally use the other cards. They seemed to believe him. What I meant was that in this situation, he could be made to look them up. With an app can't say you don't know/have forgotton to avoid giving out the PIN (though I suppose you can claim to have forgotten the app login).

BTW, as soon as they got the PINs, they ran off. One didn't wait with him. They took his phone, wallet etc. They took out £750 on the two cards. The banks said they would refund against a police report/crime reference which, I think, he eventually got done.