Santander credit card blocked

GeoffTF

comeocome said:

by the way do you like the Select Santander service? 

I have not had to speak to them since last July, but when I have they have had clear voices and seemed to know what they are doing. The security people have not been as impressive, but that is just my impression from a few calls. Santander does not seem to be pushing Select so much nowadays. They have tried to persuade me to shell out for Private Banking, but I am content with the deal that I have got.

born_again

comeocome said:

GeoffTF said:

I do not know whether this is helpful, but I can tell you what happens with my Santander Debit card payments. They usually go straight through even if they are for £50K, which they say is the daily maximum. Transactions do, however, sometimes get blocked. (I have always assumed that it was the transactions that get blocked, but it could be the card.) If I hit a blockage, I ring customer services and they either unblock it themselves or put me through to security who unblock it. Everything has always been sorted within an hour. I expect that what happens depends on your track record, and a new customer has none. It will also depend on the answers that you give to their questions. It is not impossible that being a Santander Select customer helps too. I also have a Tesco debit card and a Barclaycard, so it would not be a big problem for me if one of my cards got gummed up.

Not sure if Santander debit card is a good example here. Card issuers are only responsible for credit cards in case of fraud. Meaning that they are extra cautious with credit cards but less inclined with debit cards.. card owners will have to be in charge of debit cards…

by the way do you like the Select Santander service? 

Not true.
There is exactly the same customer liability on Credit & Debit cards. 

The type of fraud & retailers used is different between debit & credit Which is why security systems pick up different transactions.