MarkR Posted November 6, 2007 Share Posted November 6, 2007 ...at my bank Someone was using my card over night to buy things on the internet BA***RDS!! Quote Link to comment Share on other sites More sharing options...
fri3ndly Posted November 6, 2007 Share Posted November 6, 2007 I had that a couple of weeks ago....... .....but as they read out all of the things that had been purchased I realised that what they thought was 'suspicious activity' was all me! They cancelled my card anyway and sent out a new one lol Quote Link to comment Share on other sites More sharing options...
MarkR Posted November 6, 2007 Author Share Posted November 6, 2007 That's what I thought it was going to be, but alas Quote Link to comment Share on other sites More sharing options...
Guest RickTT Posted November 6, 2007 Share Posted November 6, 2007 were they buying supra parts - seriously it does blow happen to me a while back - took 5k outta my account before it got spotted Quote Link to comment Share on other sites More sharing options...
colsoop Posted November 6, 2007 Share Posted November 6, 2007 Where have you used your card recently ? Quote Link to comment Share on other sites More sharing options...
Pete Posted November 6, 2007 Share Posted November 6, 2007 Top Tip: Don't ever use your debit card on the Internet. Only use c/cards, you can live without them, but not live with an empty bank account. Quote Link to comment Share on other sites More sharing options...
AndrewOW Posted November 6, 2007 Share Posted November 6, 2007 Top Tip: Don't ever use your debit card on the Internet. Only use c/cards, you can live without them, but not live with an empty bank account. I've been a bit lucky then, as I don't have any credit cards. I may order one, just to do what you've mentioned. God forbid if someone clears out my bank account! Quote Link to comment Share on other sites More sharing options...
Scoboblio Posted November 6, 2007 Share Posted November 6, 2007 Top Tip: Don't ever use your debit card on the Internet. Only use c/cards, you can live without them, but not live with an empty bank account. As much as I don't like running up a credit card bill, it's not your money you're risking, much better for shopping online. Quote Link to comment Share on other sites More sharing options...
DaveK Posted November 6, 2007 Share Posted November 6, 2007 As much as I don't like running up a credit card bill, it's not your money you're risking, much better for shopping online. Having a credit card doesn't actually mean you have to run up a bill. Quote Link to comment Share on other sites More sharing options...
Konrad Posted November 6, 2007 Share Posted November 6, 2007 Having a credit card doesn't actually mean you have to run up a bill. Exactly, If you pay off in next 50 (?) days, they do not charge nothing. Quote Link to comment Share on other sites More sharing options...
Scoboblio Posted November 6, 2007 Share Posted November 6, 2007 Having a credit card doesn't actually mean you have to run up a bill. Thanks Einstein! Quote Link to comment Share on other sites More sharing options...
colsoop Posted November 6, 2007 Share Posted November 6, 2007 Top Tip: Don't ever use your debit card on the Internet. Only use c/cards, you can live without them, but not live with an empty bank account. Is there really no protection with a debit card. thats me boned then as i don't own a cc. Quote Link to comment Share on other sites More sharing options...
DaveK Posted November 6, 2007 Share Posted November 6, 2007 Thanks Einstein! Exactly what point were you making then? Quote Link to comment Share on other sites More sharing options...
Scoboblio Posted November 6, 2007 Share Posted November 6, 2007 Exactly what point were you making then? it's not your money you're risking, much better for shopping online. That one. Maybe I should add that my idea of a credit card bill is the total amount owed on it, not the interest (since I pay mine off early enough to avoid that anyway). Quote Link to comment Share on other sites More sharing options...
DaveK Posted November 6, 2007 Share Posted November 6, 2007 As much as I don't like running up a credit card bill So this was just a rather pointless statement? Quote Link to comment Share on other sites More sharing options...
Scoboblio Posted November 6, 2007 Share Posted November 6, 2007 So this was just a rather pointless statement? Eh? How? Maybe I'm being slow today, but I have NFI what your problem with my statement is..... Edit: Maybe I should explain (again) that if I go out and use my CC to buy £100 worth of goods, I get a bill through my door for £100. I call this my credit card bill. Hence, "As much as I don't like running up a credit card bill". Make sense now? Quote Link to comment Share on other sites More sharing options...
DaveK Posted November 6, 2007 Share Posted November 6, 2007 Eh? How? Maybe I'm being slow today, but I have NFI what your problem with my statement is..... I think it's pretty obvious that "running up a credit card bill" would usually be interpreted as having a standing balance. If it's paid off every month then you are not "running up a bill" since you are effectively treating it like a debit card - it's just that the payments from your account are delayed. But to be honest - I don't really care enough to argue with you anymore. Quote Link to comment Share on other sites More sharing options...
Scoboblio Posted November 6, 2007 Share Posted November 6, 2007 Well there you go then, simple terminology. But to be honest - I don't really care enough to argue with you anymore. *Waves hands in the air in childish celebration* Quote Link to comment Share on other sites More sharing options...
SimonB Posted November 6, 2007 Share Posted November 6, 2007 Is there really no protection with a debit card. thats me boned then as i don't own a cc. It's different protection. With a credit card, you are protected against the company you buy off not sending you the goods, or sending you rubbish. With a debit card you don't have that protection. However, you ARE protected against fraud - according to the banking code, the bank must prove that you are responsible for a transaction if you dispute it. If they have no signature from you and the PIN wasn't used they can't really do that. They may try anyway though. The difference is the banking code is a volutary thing the banks all sign up to whereas credit cards are covered by law. Quote Link to comment Share on other sites More sharing options...
DaveK Posted November 6, 2007 Share Posted November 6, 2007 It's different protection. With a credit card, you are protected against the company you buy off not sending you the goods, or sending you rubbish. With a debit card you don't have that protection. However, you ARE protected against fraud - according to the banking code, the bank must prove that you are responsible for a transaction if you dispute it. If they have no signature from you and the PIN wasn't used they can't really do that. They may try anyway though. The difference is the banking code is a volutary thing the banks all sign up to whereas credit cards are covered by law. I'm sure I saw something recently (on TV maybe?) where a number of people hadn't got their money back from their banks. Quote Link to comment Share on other sites More sharing options...
SimonB Posted November 6, 2007 Share Posted November 6, 2007 I'm sure I saw something recently (on TV maybe?) where a number of people hadn't got their money back from their banks. Yeah, that was on watchdog I think. It was where the fraudsters had used the PIN to get money out or buy stuff with chip and pin. The banks were saying that chip and pin is totally secure (which it blatantly isn't) and therefore they must have written their PIN down or something. The banks were basically saying that because the pin had been used that proved the transaction wasn't fraud. That's against the banking code though. Quote Link to comment Share on other sites More sharing options...
Pete Posted November 6, 2007 Share Posted November 6, 2007 It's different protection. With a credit card, you are protected against the company you buy off not sending you the goods, or sending you rubbish. With a debit card you don't have that protection. However, you ARE protected against fraud - according to the banking code, the bank must prove that you are responsible for a transaction if you dispute it. If they have no signature from you and the PIN wasn't used they can't really do that. They may try anyway though. The difference is the banking code is a volutary thing the banks all sign up to whereas credit cards are covered by law. Biggest problem with this (and I know people who have suffered) is the time it takes to sort out...during which you have to hope your bank will lend you some money back to you so you can pay the bills! Not worth the risk. Even if you get yourselves a c/card with just a couple of hundred quid on them it's the best move if you plan to buy online, or via the phone or any other mailorder method. Online payment systems are hugely varied. I note Barclays are giving away pin keypads to online banking users now for added security. I would expect this to be used more widely soon similar to the Mastercard Verification system you can enable on your cards. Shops that support it require a PIN number entered into their software at checkout time. Unfortunately not all online shops use this..yet. Quote Link to comment Share on other sites More sharing options...
DaveK Posted November 6, 2007 Share Posted November 6, 2007 Online payment systems are hugely varied. I note Barclays are giving away pin keypads to online banking users now for added security. Natwest do this too now. You only have to use it for certain transactions - but they are the important ones (moving money out of your account into somebody elses). Quote Link to comment Share on other sites More sharing options...
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