Visa Secure. Is it really?

4 Posts

in Credit cards
I used a bank debit card for an online purchase last week. It’s the first time I’ve used it online since authorisation processes were introduced. The Visa Secure screen offered me 2 phone numbers to have a one time code sent to. The first number was an old mobile number of mine, which I stopped using 2 years ago. The second number was my wife’s mobile number, fortunately she was home so we used that. My current mobile number wasn’t an option to have a secure code sent to.
As we were on a bit of a buying spree (Christmas presents) we tried a few different cards. Some were in app approvals, but my wife’s credit card was Visa Secure, and a real doozie. When her Visa Secure screen appeared it had 5 items on the list as follows:
1. A landline number from a place of work she left 15 years ago.
2. A landline number from a house we moved out of 7 years ago.
3. Her mobile number.
4. A shared email address.
5. An old email address of mine, which I last used over 20 years ago (Freeserve if anyone remembers them).
It would appear that the Visa Secure data on me is a) thin and b) 50% correct. The Visa Secure data on my wife is a) thick, b) 40% correct and c) dubious (why is a 20+ year old email account of mine listed on her account?).
I have raised these issues with Visa and our banks. To date there has been no response.
As we were on a bit of a buying spree (Christmas presents) we tried a few different cards. Some were in app approvals, but my wife’s credit card was Visa Secure, and a real doozie. When her Visa Secure screen appeared it had 5 items on the list as follows:
1. A landline number from a place of work she left 15 years ago.
2. A landline number from a house we moved out of 7 years ago.
3. Her mobile number.
4. A shared email address.
5. An old email address of mine, which I last used over 20 years ago (Freeserve if anyone remembers them).
It would appear that the Visa Secure data on me is a) thin and b) 50% correct. The Visa Secure data on my wife is a) thick, b) 40% correct and c) dubious (why is a 20+ year old email account of mine listed on her account?).
I have raised these issues with Visa and our banks. To date there has been no response.
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Replies
Banks probably have some skin in this as clearly at times they've added numbers/emails rather than replaced them but that can also be the nuance of what they were asked to do... "ive got a new number" doesnt automatically mean the old one is invalid. Its much easier now you can self serve on apps to maintain these things
For any security measures to work well, both sides have to do their bit.
We've been with Barclays close/to around 40 years and recent changes have made it better and safer.
Always update your details and double-check them.
Updating details not just banking but everything else of importance.
Thanks
Actual mortgage stating amount £75,150
Overpayment start date 1/3/23.
Starting balance £66,565.45
Current balance -£65,553.80
Best to contact your bank & make sure ALL contact details are correct.
OP is trying to blame Visa security for his/his wife failure to update their own personal details with the banks 🙈🙈🙈🙈