New Credit Card Design Security risk?

Robh_52

Just received my new Halifax Credit card with the new portrait design, looks nice and fresh but concerns me from a security point of view.
With the new design having number, expiry date and CCV on the back a scammer only needs sight of one side of the card to steal the details. With the older design a scammer would need to see both sides so much harder to steal the details.
Does anyone else think the same? Are all designs going this way?

[Deleted User]

Amex have always been like that. I'm not aware of any increased fraud number compared to other portfolios.

Zellah

Since when is the card holder’s address printed on the card?

Sandtree

Deleted_User said:

Amex have always been like that. I'm not aware of any increased fraud number compared to other portfolios.

With the new style AmEx Platinum card they have actually now separated it as the security code (equiv of CCV) remained on the front of the card but the expiry and card number etc has moved to the back. I strongly suspect this was a marketing decision though and not a security one.

Robh_52 said:

With the new design having number, expiry date and CCV on the back a scammer only needs sight of one side of the card to steal the details. With the older design a scammer would need to see both sides so much harder to steal the details.

Most old cards were embossed and so the card number and expiry date were readable from both sides of the card... to the naked eye the reverse is harder to read it but realistically you are actually talking someone taking a photo of the card not someone remembering 23 numbers in their head and in a basic graphics application its easy to make the numbers on the reverse easily readable.

phillw

I think it's better to have the details on the back, now someone can't fit a camera above a contactless payment terminal and grab your card number and expiration date. You wouldn't have gotten the CVV, but is that always necessary for online payments?

I guess it's the end of the credit card imprinter, a couple of years ago sainsburys used them when their payment system went down.

Virgin debit cards are the same. rbs/natwest debit card have the details on the front, but are not embossed and they miss out the account number entirely.

I'm more intrigued what the actual reason for the cut out is for. I am guessing it's so you can feel which way round to hold a card. Virgin/rbs/natwest/halifax have started issuing cards with the cut out, TSB have updated online banking to show pictures of my cards to include  cut outs (despite not issuing me with them yet).

dr_adidas01

Zellah said:

Since when is the card holder’s address printed on the card?

Where did the  OP post that their address was printed on the card!?!

Robh_52

Zellah said:

Since when is the card holder’s address printed on the card?

I've had my card scammed before and they didn't need the address then, just the numbers on it according to the Halifax

Sandtree said:

Most old cards were embossed and so the card number and expiry date were readable from both sides of the card... to the naked eye the reverse is harder to read it but realistically you are actually talking someone taking a photo of the card not someone remembering 23 numbers in their head and in a basic graphics application its easy to make the numbers on the reverse easily readable.

That's a good point I hadn't thought of regarding the embossed numbers. So the newer version is probably easier to photo with less time/skill needed to reverse numbers in a graphics app.  

dr_adidas01

Deleted_User said:

Amex have always been like that. I'm not aware of any increased fraud number compared to other portfolios.

Not sue that's true anymore as most Amex have the card number on the front and the CVV on the back.  The only one I have that doesn't is Platinum Charge card it has the card details on the back and the 4 digit CVV on the front.

Zellah

dr_adidas01 said:

Zellah said:

Since when is the card holder’s address printed on the card?

Where did the  OP post that their address was printed on the card!?!

You clearly didn’t get my point. A billing address (or at the very least the postcode) is required for almost every purchase you make with your CC therefore if there’s no address printed on the card...

Sandtree

Robh_52 said:

That's a good point I hadn't thought of regarding the embossed numbers. So the newer version is probably easier to photo with less time/skill needed to reverse numbers in a graphics app.  

But they can only get the data from one side now whereas previously two of the key bits were on both effectively.

Have to remember fingers on the front and thumb on the back (or visa versa) will be obscuring different elements so having two options as how to get the card number and expiry date was more risky than only having everything on one side. Add to that with contactless there is less need to manipulate a card into the slot the right way up or passing it to someone else its much easier to keep a single side always covered or at least very awkward to capture.

Overall I suspect the difference is minimal but if anything I'd argue printing everything on one side is more secure than a traditionally embossed card with CCV on the rear.

dr_adidas01

Zellah said:

dr_adidas01 said:

Zellah said:

Since when is the card holder’s address printed on the card?

Where did the  OP post that their address was printed on the card!?!

You clearly didn’t get my point. A billing address (or at the very least the postcode) is required for almost every purchase you make with your CC therefore if there’s no address printed on the card...

I get your point but your own address is not needed for most purchases on your debit card or CC, there have been lots of threads recently where people have been scammed and their card used on other sites.

I myself had this last year on my Barclaycard where someone had some how gotten hold of my card details and used it on Deliveroo.  I have never used deliveroo or any of the food delivery services plus my barclaycard isn't one I use for online shopping so the details could only have been gotten from either a retailers copy of a receipt or someone wrote down my details or took a picture of it at somepoint.