Visa Secure. Is it really? 5 December 2022 at 12:50PM in Credit cards 26 replies 782 views

Montaillac

 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.

Ebe_Scrooge

Did you contact your bank to let them know each time you changed your phone numbers and email addresses?

DullGreyGuy

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 things

penners324

So you've not kept your contact details upto date?

diystarter7

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.

Thanks

Marchitiello

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 🙈

Ebe_Scrooge

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 🙈

Well, if you don't notify your bank of a change of address, where else are they going to send it to?  Or, if you genuinely have 2 addresses, you need to tell the bank which one you want documents to be served at.

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.

Sncjw

In sure you can easily change your details on the online banking pages. 

[Deleted User]

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 🙈

Well, if you don't notify your bank of a change of address, where else are they going to send it to?  Or, if you genuinely have 2 addresses, you need to tell the bank which one you want documents to be served at.

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.

I think they are being critical of the OP not seriously suggesting these things

born_again

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.

Visa do not hold your details. Only your bank does. 

Best to contact your bank & make sure ALL contact details are correct.

Marchitiello

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 🙈🙈🙈🙈