'£0.00 payment taken ' SMS alerts

Lynwi

Could anyone explain why I have recently started receiving SMS alerts from my Sainsbury's credit card stating 'a payment of £0.00 has been  taken from your card if this was not you please phone us.' This has never happened before. Thanks

[Deleted User]

Are there any transactions against your card that you don't recognise?

Lynwi

I recognise all payments back to January, not checked earlier yet, which is why I've posted here . I rang fraud their reply was my card has been compromised and they will issue a new one. I have  the new card and received 3 SMS £00.0 ,..with new card number. Fraud say it not showing on my statement so not a problem. I personally am not convinced!

cymruchris

I had a Sainsbury's credit card until a month ago (closed it) but never received messages like those you've mentioned above.

born_again

Lynwi said:

I recognise all payments back to January, not checked earlier yet, which is why I've posted here . I rang fraud their reply was my card has been compromised and they will issue a new one. I have  the new card and received 3 SMS £00.0 ,..with new card number. Fraud say it not showing on my statement so not a problem. I personally am not convinced!

£0.00 will be registering a card at a retailer. They will then try a larger amount. But if the £0.00 has been declined they cant.
A lot of fraud transactions never make it onto statements. 
They get stopped by security systems.

Still means card has to be stopped & replaced, as card details have been compromised.

Lynwi

Thank you! This is exactly what I thought but not being a fraud expert was unsure. You have explained perfectly. Looks as though I will be spending all morning on phone to Sainsbury's fraud !!!!!

born_again

Lynwi said:

Thank you! This is exactly what I thought but not being a fraud expert was unsure. You have explained perfectly. Looks as though I will be spending all morning on phone to Sainsbury's fraud !!!!!

Should be a very short call. Nothing debited. Just check security system. Highlight fraud transaction on there. Explain card process/timescale.
Should be no more than a couple of minutes. Unless you have a lot of questions.

Lynwi

Hopefully I have it sorted. Now awaiting third card, so far no more £0.00 SMS. THANKS

wiseonesomeofthetime

Don't be surprised if you do get some more £0.00 SMS alerts though, if the retailers that are registering your card are also automatically updated as to the new number by Mastercard/VISA.

I had this issue with NowTV when trying to stop card use on the account. 

Check with your card issuer if this auto-update to merchants is a possibility, and request that it be switched OFF, if active.

Lynwi

I have found these responses extremely helpful and now have a much better understanding when attempting to sort it. Thanks