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Visa Secure. Is it really?
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Montaillac
Posts: 4 Newbie

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.
0
Comments
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Did you contact your bank to let them know each time you changed your phone numbers and email addresses?
8 -
Now you understand the importance of your bank asking you to check your contact details are correct or not!
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 things3 -
So you've not kept your contact details upto date?2
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Hi OP
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.
Thanks0 -
How does the OP failure to periodically update and confirm his personal profile with the bank/credit card provider make Visa Secure not so secure?Next someone will complain that “Signed for” mail sent to an address where one lived 10 years that was not removed for one profile is the Bank failure to deliver important information 🙈0
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Marchitiello said:How does the OP failure to periodically update and confirm his personal profile with the bank/credit card provider make Visa Secure not so secure?That's not what anyone is saying. OP is complaining that the bank holds old contact details for them, and doesn't have their current mobile phone number registered. All that's been said is that if OP has not contacted their bank to say "Please remove this email address as it's not longer used" or "Please update my mobile phone number", then how are the bank supposed to know that their contact details have changed?Marchitiello said:Next someone will complain that “Signed for” mail sent to an address where one lived 10 years that was not removed for one profile is the Bank failure to deliver important information 🙈Sure, if you notify them and they fail to update their records, that's a different matter. But these days particularly, it's pretty easy to check and update most of this stuff online yourself.
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In sure you can easily change your details on the online banking pages.Mortgage free wannabe
Actual mortgage stating amount £75,150
Overpayment paused to pay off cc
Starting balance £66,565.45
Current balance £58,108
Cc around 8k.1 -
Ebe_Scrooge said:Marchitiello said:How does the OP failure to periodically update and confirm his personal profile with the bank/credit card provider make Visa Secure not so secure?That's not what anyone is saying. OP is complaining that the bank holds old contact details for them, and doesn't have their current mobile phone number registered. All that's been said is that if OP has not contacted their bank to say "Please remove this email address as it's not longer used" or "Please update my mobile phone number", then how are the bank supposed to know that their contact details have changed?Marchitiello said:Next someone will complain that “Signed for” mail sent to an address where one lived 10 years that was not removed for one profile is the Bank failure to deliver important information 🙈Sure, if you notify them and they fail to update their records, that's a different matter. But these days particularly, it's pretty easy to check and update most of this stuff online yourself.2
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Montaillac said: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.
Best to contact your bank & make sure ALL contact details are correct.Life in the slow lane1 -
My comment was kind of sarcastic …
OP is trying to blame Visa security for his/his wife failure to update their own personal details with the banks 🙈🙈🙈🙈1
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