Using someone elses credit card

WSO

If you think that's bad, my OH once used my HSBC chequebook to pay for hire equipment (must have been my old right handed one, otherwise he was half asleep as mine are left handed)... we didn't realise the mistake until the money came out of my account and we checked the stubs!

:eek: Makes you wonder, I know we have the same originating branch - but other than address, the bank had nothing to link us together at the time - we aren't even married so have totally different names!

Breynia

Unfortunately they have fallen out, Bossyboots, over the fact that he had taken her credit card and withdrew cash and denied it. She has reported it as fraud so it is going to look like she has done the same thing to get even. It looks as if it is going to be very messy.
Very scary reading other peoples accounts of how easy it is to use another persons credit card. The trouble is, as my niece found out, even though she can prove that it was not her that made the withdrawals on her cc, the cc company will not reimburse her because she is at fault for not keeping her pin number safe. Even if her bf was prosecuted and found guilty she would still have to pay back the 2k he took.
Seems to me that credit cards are more trouble than they are worth.
As for chip and pin, I can't see how they can be more secure. In supermarkets you can plainly see the pin number that the person in front is typing in. All a thief has to do is to pickpocket the card and he's away!

nobasooto

The missus has accidentally used my card before. Both my PIN ones and my sign-for ones and never get stopped even though there was a males name on the card. Shocking stuff!

martinpike

Breynia wrote:

Unfortunately they have fallen out, Bossyboots, over the fact that he had taken her credit card and withdrew cash and denied it. She has reported it as fraud so it is going to look like she has done the same thing to get even. It looks as if it is going to be very messy.
Very scary reading other peoples accounts of how easy it is to use another persons credit card. The trouble is, as my niece found out, even though she can prove that it was not her that made the withdrawals on her cc, the cc company will not reimburse her because she is at fault for not keeping her pin number safe. Even if her bf was prosecuted and found guilty she would still have to pay back the 2k he took.

As the old adage goes. If you lend someone a tenner and you never see them again, it was probably money well spent. Unfortunately in this case it was more than a tenner.

I'm sorry to say she's probably going to learn a very expensive lesson in life.

Robert_Sterling_3

You are supposed to keep your pin number secret.

HelenR_3

Robert_Sterling wrote:

You are supposed to keep your pin number secret.

yep

cant argue with that :money:

Fifer

Seems to me that credit cards are more trouble than they are worth.

That's not a statement which will get much support around here ...

Bossyboots

Breynia wrote:

Unfortunately they have fallen out, Bossyboots, over the fact that he had taken her credit card and withdrew cash and denied it. She has reported it as fraud so it is going to look like she has done the same thing to get even. It looks as if it is going to be very messy.
Very scary reading other peoples accounts of how easy it is to use another persons credit card. The trouble is, as my niece found out, even though she can prove that it was not her that made the withdrawals on her cc, the cc company will not reimburse her because she is at fault for not keeping her pin number safe. Even if her bf was prosecuted and found guilty she would still have to pay back the 2k he took.
Seems to me that credit cards are more trouble than they are worth.
As for chip and pin, I can't see how they can be more secure. In supermarkets you can plainly see the pin number that the person in front is typing in. All a thief has to do is to pickpocket the card and he's away!

Unfortunately, as you have realised, this all casts doubts on your niece's version of events that the garage coerced her into using the card. If her boyfriend reports this I think she could be in great difficulties.

If the worst happens and the police come knocking, she must have a solicitor with her when questioned even if she thinks she doesnt need one and even if the police tell her that the duty solicitor will be hours. That is not true, if the duty solicitor is unavailable they will try someone else on the list. She must not be interviewed without a legal advisor present. She will not have to pay for that.

As for chip and pin, if I think the pad can be overlooked I cover it with my hand and lean right over it so that no-one can see what you are doing. I have taken a couple of stores to task over the fact that people can see you putting in your pin.

Noozan

Slightly off topic but, I used to regularly fly between Bristol and Edinburgh and at the boarding gate, they always asked for your boarding pass and ID. I always took my passport as photographic ID. Once, when I was sitting on the plane, I idly flicked open my passport....and it wasn't mine!! I had picked up my OH's passport by accident and they had let me board! (and believe me, I look nothing like my OH) :rolleyes:

wallace_3

zodiac wrote:

So many till people dont even handle the card to put in into the Chin N' Pin thing its worrying. I understand what CnP is all about and on the whole I think its a good idea but when a bloke can get away with using a card that states 'Miss' or 'Mrs' on its a bit dodgy. Isnt there special holo pictures on the cards to prevent copies? And isn't the point of this to prevent fake cards being used? Which means the cards have to be handled......
Has there been any new trainning on Chip and pin use for thoes who work in shops?

At Tesco, you still have to hand your card to the cashier, even when paying with Chip and Pin. Presumably this is so they can still check the card is genuine.

However, the golden rule is never reveal your pin number to anyone. The theory is that only the cardholder knows the pin, so therefore if they enter the correct pin, they must be the cardholder.