Barclaycard - declined and retained...?

TFD_2

never-in-doubt wrote: »

It makes sense what you're saying regards to the situation in which the bank would request the card is retained. I guess for the majority, i.e. no fraud/cancelled card etc, then the situation would be different in that if I went into a shop right now and bought something (knowing that there is no valid reason for my card issuer to have cancelled my card) and the assistant showed me the PDQ which read "Retain Card" I would remove the card myself and walk out.

I think with the new technology, i.e. a shop worker never needs to touch your card nowadays do they, it'd be very hard for a shop keeper to retain your card being it should be in the slot nearest you - away from them?

So in the reverse, say I know my card is cancelled and i'm trying it on, then if at the POS the assistant asked me for the card, i'd know something wasn;t right and i'd say no thanks, i'll try later and walk out.

So again, no reason for the shop keeper to touch my card....

Thats kinda my explanation on it lol :beer:

My experience of this goes back prior to chip-and-pin, so would have been when the merchant was swiping the card through and holding onto it (to check sig). What was required was not to pass the card back to the customer.

Agreed it's harder in chip-and-pin times. I can't see a situation where the merchant would ask the customer to hand the card over!

[Deleted User]

NickX wrote: »

For the shop to retain the card sounds criminal to me. It is YOUR property

No, it's property of Barclays Bank PLC. Says on the back of the card IIRC.

Degenerate

TFD wrote: »

I disagree. They ask the shop to retain usually only in a handful of situations - if the card is reported stolen, if the issuer has cancelled it, etc.

If that is the case, the issuer doesn't trust you to return it, so will ask the retailer to do this.

It's perfectly reasonable, lawful, and not up to you as the cardholder to argue with.

Sorry!

Why do you keep parroting this line while totally ignoring my point that the retailer cannot prove their entitlement to retain the card?

Once again, the card holder has an obligation to safeguard their card & pin, and this is not compatible with allowing a stranger to take it just because they say they can.

never-in-doubt

Degenerate wrote: »

Why do you keep parroting this line while totally ignoring my point that the retailer cannot prove their entitlement to retain the card?

Once again, the card holder has an obligation to safeguard their card & pin, and this is not compatible with allowing a stranger to take it just because they say they can.

You're right, at the end of the day whether an electronic terminal asks for my card or not - ultimately I am responsible for it and i'd refuse - simple.

Legally (as ive already stated) there is nothing the Police could do, its a civil matter and to be fair, the assistant would hand my card back without threats cos the police would insist they do.

The shop has no legal right to touch my card, let alone retain it.

I'm in 100% agreement with you and may report my card as stolen this morning then try and use it later and see what happens.... HMV is a good place to start then i'll try Game or something....

I'll update later....

p.s. if the shop tries to retain it, i'll make whatever threats I deem necessary in order that the store either return the card to me or call the police so I can prove my theory is correct lol.

Anyone working in Game or HMV in White Rose Centre (Leeds) better watch out lol

peachyprice

Degenerate wrote: »

surely the proper action is to call 999 and report a theft in progress.

:rotfl::rotfl::rotfl:

Funniest thing I've read for ages.
"Officer, come quick, my credit card has been declined, please, get here before they get the scissors out" priceless.

Degenerate

peachyprice wrote: »

:rotfl::rotfl::rotfl:

Funniest thing I've read for ages.
"Officer, come quick, my credit card has been declined" priceless.

Can you even read? The second sentence of that post started "They are of course entitled to decline my card as payment".

It would be "Officer, come quick, someone has taken my credit card".

TFD_2

never-in-doubt wrote: »

You're right, at the end of the day whether an electronic terminal asks for my card or not - ultimately I am responsible for it and i'd refuse - simple.

Legally (as ive already stated) there is nothing the Police could do, its a civil matter and to be fair, the assistant would hand my card back without threats cos the police would insist they do.

The shop has no legal right to touch my card, let alone retain it.

I'm in 100% agreement with you and may report my card as stolen this morning then try and use it later and see what happens.... HMV is a good place to start then i'll try Game or something....

I'll update later....

p.s. if the shop tries to retain it, i'll make whatever threats I deem necessary in order that the store either return the card to me or call the police so I can prove my theory is correct lol.

Anyone working in Game or HMV in White Rose Centre (Leeds) better watch out lol

It is a civil matter until you start threatening. Then you deserve to be arrested.

If when they retain your card you're not happy, RING YOUR BANK!

never-in-doubt

TFD wrote: »

It is a civil matter until you start threatening. Then you deserve to be arrested.

If when they retain your card you're not happy, RING YOUR BANK!

Not at all, if someone took my wallet or the wifes bag then i'd act the same way..... I think you're getting too drawn into this and need to sit back and realise that no self respecting person would give up their bank card as easily as that - we're told not to by our banks!

However, to stop the argument its true that the assistant really has no need to touch our card so in all honesty the feasibility of them retaining our card is soooo very slim (in todays market).

TFD_2

never-in-doubt wrote: »

Not at all, if someone took my wallet or the wifes bag then i'd act the same way..... I think you're getting too drawn into this and need to sit back and realise that no self respecting person would give up their bank card as easily as that - we're told not to by our banks!

However, to stop the argument its true that the assistant really has no need to touch our card so in all honesty the feasibility of them retaining our card is soooo very slim (in todays market).

I agree."Please retain card" messages were more useful before the chip-and-pin days, as it wasn't a case of snatching the card, it was a case of not returning it.

In probably 90% of situations where you're asked to retain, it's as the card has been reported stolen. In the other 10%, it will be the bank telling the customer to stop using the card and sending it back (for repeated violations etc) and the customer ignoring this. However there is the odd occasion where it is neither of these, this shouldn't happen too regularly, as marking a card as "please retain" is usually the last resort for a bank if they don't know the card is compromised.

never-in-doubt

TFD wrote: »

I agree."Please retain card" messages were more useful before the chip-and-pin days, as it wasn't a case of snatching the card, it was a case of not returning it.

In probably 90% of situations where you're asked to retain, it's as the card has been reported stolen. In the other 10%, it will be the bank telling the customer to stop using the card and sending it back (for repeated violations etc) and the customer ignoring this. However there is the odd occasion where it is neither of these, this shouldn't happen too regularly, as marking a card as "please retain" is usually the last resort for a bank if they don't know the card is compromised.

Exactly - I agree 100% (as before)... they bank would not say retain this card just for going £1 overlimit - it'd have to be either fraud, cancelled card or abuse of terms that would warrant such action....