Anyone else noticed

[Til]

That's so fab! [:D]

[loubylou10]

Scarey reading this but I do admit to using my OH card now and again, but he has always been in the car waiting for me incase things go wrong!!!
Naughty Louby!!!
I am so scared about this happening - as we all know money is at a premium at the mo for us all so I check my account every day!!!
Someone once booked a holiday on my card £500 worth of and it was over the easter bank holiday so I had no money in the bank to enjoy - oh those where the days! Got it back the next week when I rang the bank and told them I have never been to Lincoln.

[size5]

Only logged on tonight to post on this as I have been mega busy over last 2 days or so, I suspect that you will all be not surprised to know that my experiment was successful. Mrs Size's card was used for the cricket teas without a 2nd glance form the checkout operator.

This is actually quite worrying. What if I were a stranger and had mugged her after looking over her shoulder at her entering her PIN? As I see it, she would have still been liable as the financial institutions would have,as a first resort, insinuated that the PIN was correct therefore she had divulged it.

Also, what if I had been a disgruntled ex-husband or any other number of scenarios? If the cards are not checked, and we all know that they aren't, then the question becomes a very valid one as regards liability in the case of mis-use or fraud.

Regards.

[look_divine]

i think signature was better than just a pin

[size5]

They may have noticed that I was not a Mrs.........

[MelanieGiles]

I hope Mrs Size does not feel that she has been mugged when your secret spending is eventually revealed. I suspect you will get at least a smack around the chops with her handbag!

[stressed_suzanne]

From a retail pov the chip and pin has meant I haven't had one fraudulent transaction. I got stung twice before in under a year, and not for small amounts.

Its difficult Size 5 - most people that shop nowadays put the card straight in the machine (so do we when we go shopping). Should we take the card out and study it in front of them? Maybe, but there's a lot of people who wouldn't be very happy. I do offer my hand to take it, and yet a percentage will still stick it straight into the machine.

[Skippy]

To be quite honest most places were slack before chip and pin, and it's got worse now! When I've handed my card to the person in the petrol station they've looked at me is if I was a nutter and told me to put it straight in the machine. I would much rather someone checked my card.

[chris.g]

I have given my kids my card to go shopping without any problems......even my 19yr old son!
As Size5 points out, a vengeful spouse/ex could easily run up a huge amount without the card holders consent...does this constitute fraud or not?? I'll guess and say that the issuer will argue that the spouse/ex should not have had access to the card but did, therefore it is not fraud.......

[size5]

Mrs Size has been reimbursed for the £35 I spent on the card, I suspect Mel's prediction would have come true otherwise, and with the amount of rubbish that she keeps in there, serious damage could well have been done....

I also agree with you chris.g, I cannot see the institutions reimbursing under those circumstances.

Regards.

[greedfighter]

I see this all the time.

At present Petrol stations do indeed seem to have a high incidence where cards are cloned. This seems to be followed by Cashpoint machines located at Supermarkets.You dont see many reports of it happening elsewhere in general

I suspect this is a quick and numbers idea.

When you enter the chip and pin take time to look up and cover the top of the machine with your hand - in a lot of cases there seems to have been evidence of a camera concealed in the roof above the machine !!!

The usual MO and in most card frauds the cloned card is used abroad more or less within ten to twenty minutes (I dont know the technicalites how this happens).

I suggest the only way that this could be combatted and I dont know why the banks dont do it is to refuse all transactions made abroad without pre-authorisation by the customer (ie tell them youre going on holiday)or the individual contacts the bank and asks them not to authorise transactions from abroad unless pre-notified.

The middle european countries seem to be the place where most transactions takes place.

[johnh]

an old lady went into the bank. The teller said "Can you identify yourself?" She looked in a mirror and said "Yes, it's definitely me!"

[kabby3]

Ok explain this worry.... went to Bicester Outlet Village last weekend with hubby....his treat went in to Pret a Manger used debit card for purchase about £12 and we were not required to put our pin number in machine or sign for goods?? because is was under £15.00 scary !! Has anyone had this happen to them ?

[TheMatrix]

That's scary and surely opening them up to fraud.

[Viki.W]

I've used my card for amounts under that and always had to enter my pin, that is really silly, maybe it is just the store policy. I'm sure they will have to change that soon though.