Visa debit card.

[soaps]

If I lost or had my DC stolen, can it be used to order goods.? would they have to have my PIN; NO: to be able to use it? i only use it to withdraw cash from the ATM machines,

[mrs.chappie]

It's a bit different giving it out though, when it's you who are ringing them, don't you think?

[MarkRae]

Not really... All it takes is one unscrupulous telesales operator to keep a record of everything. It has happened before - fraudsters will pay handsomely for this information...

"Can I have the long number beginning with 4, please?"

"And the expiry date?"

"And the three-digit code on the back of the card?"

"And finally, your Verified-by-Visa password and we're all done, madam"

[mrs.chappie]

Mark, I've had a couple of calls lately from my bank. They've asked for my password but given me a hint.....told me the letter the word starts with.

I've banked online for years and bought lots of stuff online with a debit card...have I just been lucky, having had no bother at all, do you think?

[soaps]

Mark&MrsC, can I sing up to Verified by Visa through that website or do I have to go to my bank to do it?

[MarkRae]

Mrs C, when your bank rings you up, they ask you for your online banking password, not your VbV password. You've not used the same password for both, surely...?

[MarkRae]

I'm not sure, soaps - I think that would depend which bank issued your Visa card. I'm pretty sure that you can do it with Barclays Online Banking, and Barclaycard's website...

[soaps]

OK thanks I'll check out my banks website.

[mrs.chappie]

Soaps, I didn't actually apply for this until it popped up one day when I was buying something online.

Mark, I wouldn't confirm my password to just anyone on the end of the phone. The bank would know my password anyway (they say they just want to confirm that I actually am Mrs.C).

There weren't wanting my VbV password. I've never been asked for that. The password I use for that is very similar to my online password though (tis the only way I can remember the bloomin' thing).

[soaps]

My bank will do it online, but for some reason it wont work for me!
When I filled out the CVV 2 Number, ,....the last 3 digits on the back of the card,.... the Expiry date and DOB, it tells me that "The information that you have entered cannot be verified" what am I doing wrong?

[MarkRae]

Glad to hear that, Mrs C. You'd be surprised just how readily people will divulge potentially sensitive information to just about anybody as if they were fire-proof. Loads of secure website ask for the answers to "secret" questions so that you can do things like reset a forgotten password, etc. Typically, these include your mother's maiden name, name of a grandparent, first pet's name, first school you attended, street you grew up on, etc.

I'm willing to be that a sizeable proportion of the replies the thread below fall into that category. I never use real data for those questions because it's so easy to find. I use song lyrics for all of those things.

http://www.theanswerb.../Question1012759.html

[mrs.chappie]

Mark, there are some nasty peeps about and you're right about not divulging personal info.

There was something else the bank did.....they gave me the first half of my postcode and asked that I give them the second half.

And they asked if I would confirm my street name....they gave me the initial two letters to prove that they already knew this. I'd not heard these questions before. (This was as well as "What's your mother's maiden name?").

[MarkRae]

Mrs C, at that stage I would have asked for the name of the person calling, their phone number and the reason for their call. Then, and only if I truly believed the call to be genuine and was sufficiently interested in the reason for the call, I would have called them back. Ooh, baby, baby, it's a wild world...

http://www.google.co....asy+is+identity+theft

[mrs.chappie]

Mark, they were ringing to tell me something about being able to transfer money to an ISA. I told them that I always discuss my financial matters face-to-face at the branch, that shut them up.

Soaps, sorry I can't throw any light on the problem you're having. I'm not good on technology. :o(

[saxy_jag]

I bank with the Co-op. Most of the time when I buy online I have to use the VbV system. However my bank uses about half a dozen secret questions which are asked at random whenever I make transaction. Sometimes they will also ask, for instance, for the 2nd, 5th and 8th number of a secret word.

I daresay anyone with the wherewithall could take my card and hack the details - you can never be too careful. That's why it's so important to report the loss//theft as soon as you notice it, so they can cancel your card and issue a new one.

[spudqueen]

Another point is that if you haven't signed your card and it is stolen then it could be taken abroad and used there (with someone else signing your name on the back of the card), not all countries use chip and pin.

[BertiWooster]

Perhaps this has been covered already - but recently i paid a bill over the phone - in this case there was obviously no goods to be delivered .

That's an instance where the card could be used fraudently - am I correct ?

[soaps]

Yes BW, I think it can be used fraudtinely, if you are giving all your card details the person over the phone, they may write them down an use them at a later date.

[hc4361]

But that payment could be traced to the person who owed the bill.