Lloyds credit card is unusable due to overzealous security algorithm

born_again

Hazard a guess is that retailers OP is buying from, are getting hit with fraud purchases & that is why Lloyds system is picking them up.

denow

I tried to buy a Laptop from Microsoft a few weeks ago for £800 on my Ultra and it kept getting declined. Called up Lloyds and they said it was because I had taken my card details from the app before making the purchase (I was too lazy to reach up to my cupboard to grab my physical card) and it had triggered the fraud prevention.

It was a 10 minute call to get it fixed. No big deal and I'd prefer that to having the stress of a fraudulent transaction being made on my card. I was pretty impressed that their systems detected this to be honest.

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/81963424#Comment_81963424

Could you explain more, presumably this was an online purchase at the Microsoft Store?

What's the difference between reading the card number from a phone as opposed to reading it from the physical card - the details are the same, how could they tell where you were looking up the details?

Is the suggestion that the Lloyds system can see that the app has been (passively) used just prior to a card spend auth request from a retailer and that action joins the others in the fraud detection algorithm?

That's really quite clever joined-up tech, but not really sure why a spend request after looking at the (biometrically/passcode protected) app is more 'risky' than looking at a (not protected) bit of plastic?

denow

I was on the online store at Microsoft and got through the checkout. I opened the Lloyds app and accessed the card details there. The transaction failed 3 times. I was going to try another card but wanted the cashback so called Lloyds.

I can't remember all the security questions but one of them was "you accessed the app to get your card details, what was the reason for that?"

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/81963484#Comment_81963484

Ah, not quite the clever tech I thought it might be.

Interesting that you called Lloyds, not the other way round.

Nasqueron

I do all my transactions where I don't have the card details saved via the app, might be a problem with the vendor being flagged for fraud for other users, though I must admit I didn't know MS sold laptops

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/81963639#Comment_81963639

MS laptops? Rather nice business-level laptops and convertibles. Wish I could justify the spend.

https://www.microsoft.com/en-gb/surface/devices/surface-pro

denow

https://forums.moneysavingexpert.com/discussion/comment/81963676#Comment_81963676

I was extremely lucky buying mine in February, it was on sale for £895 and I assumed that was because the new line up was about to be released and I didn't need the latest/greatest. It's now on the MS Store for £1348 which I guess is due to all the nonsense going on around the world at the moment. Crazy times.

maman

On a similar theme, I've had problems using a card (any card not just Ultra) when my PC or phone autofills my name and email address. I'm assuming that's a fraud prevention issue too.

born_again

https://forums.moneysavingexpert.com/discussion/comment/81963827#Comment_81963827

Banks systems do not know how you fill forms in, but autofill often adds extra spaces that go unnoticed. Causing the issue.