Credit card and PIN number idiocy
Discussion
Trundled into a garage to fill up and get my Optimax challenge stickers and proceeded to get a bit of a surprise:...
"That'll be £55+ sir"
"Thank you, here's my credit card."
"Could you type in your PIN please."
Oh bugger, "I can't remember it, I'll try once but may have to sign instead."
My memory was indeed wrong and I got it wrong.
"That's ok sir, just give me a second"
She types onto the keypad of the cardholder, whilst reading from a scrap of paper.
Card machine prints off a slip
She then hands me the newly printed slip of paper - but there's nowhere to sign, in fact, it's a receipt.
Queried the girl and she said
"Oh the bank gave us this alternative PIN in case the real ones don't work"
"So, I don't sign anything even though we both know I don't know my PIN, and still walk out with £50+ of fuel"
"That's right sir"
??????????????????????????????????????????
"That'll be £55+ sir"
"Thank you, here's my credit card."
"Could you type in your PIN please."
Oh bugger, "I can't remember it, I'll try once but may have to sign instead."
My memory was indeed wrong and I got it wrong.
"That's ok sir, just give me a second"
She types onto the keypad of the cardholder, whilst reading from a scrap of paper.
Card machine prints off a slip
She then hands me the newly printed slip of paper - but there's nowhere to sign, in fact, it's a receipt.
Queried the girl and she said
"Oh the bank gave us this alternative PIN in case the real ones don't work"
"So, I don't sign anything even though we both know I don't know my PIN, and still walk out with £50+ of fuel"
"That's right sir"
??????????????????????????????????????????
rich 36 said:
Pesty, do RBS still issue these cards, they sent me one about 5 years ago, then said that at next issue, they were no longer doing them !
Agree however that a picture is better than a PIN
(I think)
yes recieved my card around 3 month's ago.
I think that anyone can look over your shoulder and see your pin then mug you. or mug your and get you to tell them your pin through threat of violence.
and anyone can steel a credit card then practice the signature. Mine is different everytime they dont even notice.
It's really no different to ordering something over the telephone, you quote your card details and they tap it into the transax machine. No signature, no PIN. I have used a transax machine many times like this, it asks if customer is present? yes or no. If you have the 'supervisor card' you can issue refunds to the card too, so in theory you could 'charge' up an account and put loads of money into it too. I suppose internet shopping is the same, no signature, no PIN required there either.
Balmoral Green said:
It's really no different to ordering something over the telephone, you quote your card details and they tap it into the transax machine. No signature, no PIN. I have used a transax machine many times like this, it asks if customer is present? yes or no. If you have the 'supervisor card' you can issue refunds to the card too, so in theory you could 'charge' up an account and put loads of money into it too. I suppose internet shopping is the same, no signature, no PIN required there either.
It is slightly different balmoral. Try ordering something on you card and ask them to deliver somewhere other than the billing address. They probably will do it but you bank may phone you and confirm. They have with me both timess Ive tried it.
The banks monitor for unusual spending patterns i.e lots of money being spent at other adreeses.
pesty said:
Try ordering something on you card and ask them to deliver somewhere other than the billing address. They probably will do it but you bank may phone you and confirm. They have with me both timess Ive tried it.
I wonder how they deal with CC fraud in the US - they'll deliver anywhere (I've often ordered stuff to be delivered to hotels while I'm there). Also when you buy in a shop they *never* look at the sig - they swipe the card and hand it back before you sign.
You queue up in a supermarket, offy, garage and type in your PIN. There is absolutely no privacy or secrecy. Yet its all in the name of 'security.'
Go to any cash machine and there are signs telling you to be careful with your pin number.....
Who on earth is going to stand in Tesco's on a busy saturday and tell the person behind to, 'Stand back mate, I'm about to enter my PIN.'
Nobody will.
Its all bollox.
Go to any cash machine and there are signs telling you to be careful with your pin number.....
Who on earth is going to stand in Tesco's on a busy saturday and tell the person behind to, 'Stand back mate, I'm about to enter my PIN.'
Nobody will.
Its all bollox.
I refer my right honourable friends to a post I submitted a couple of weeks ago:
www.pistonheads.com/gassing/topic.asp?h=0&f=13&t=173590
www.pistonheads.com/gassing/topic.asp?h=0&f=13&t=173590
deva link said:
pesty said:
Try ordering something on you card and ask them to deliver somewhere other than the billing address. They probably will do it but you bank may phone you and confirm. They have with me both timess Ive tried it.
I wonder how they deal with CC fraud in the US - they'll deliver anywhere (I've often ordered stuff to be delivered to hotels while I'm there). Also when you buy in a shop they *never* look at the sig - they swipe the card and hand it back before you sign.
In the US - interchange (the rate that merchants pay for transactions) is around 1.45% plus $ 0.08 com charge. Merchants rarely qualify for that rate as ISOs (Independent Sales Organisations) set up most merchant accounts. The normal merchant rate is about 2% plus $0.16 for "cardholder present" transactions and 3%+++ for "cardholder not present" transactions. Additionally, the average interest rate on a consumer card in the US is around 14%-18% (average - not for the monied types - just your average person).
With that kind of coin coming in, CC companies don't care about fraud that much. Also, they just chargeback all disputes to the merchants. If the merchant has gone out of business, they just write it off, normally.
ErnestM
>> Edited by ErnestM on Wednesday 25th May 17:40
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