OT : Not Strictly Legal Query : Credit Card Check


P

peterwn

Richard said:
Eric Jones wrote:
And the store could put me on the phone to confirm that action was being
taken. Doesn't that make sense?
Yes it does, but bear in mind that the phone call could be a fake,
therefore if your card is still 'taken' then telephone your issuing
bank asap.
 
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P

peterwn

PeteM said:
Doubtless, but the cardholder has no knowledge of any agreements between
the retailer and the bank, so he cannot be expected to fulfil them.
However he *does* have an agreement with the bank which requires him to
take care not to lose the card. Clearly he should act in accordance with
the agreements he himself has made and not those that may or may not
exist between other parties.
The retailer has no right to remove the card from the customer's sight
unless the retailer has confirmed it is on a 'bad list' circulated to
retailers or the retailer receives direction from the authorisation
call centre. At that point if the retailer is actually holding on to
the card, the retailer has a better 'right' of possession than the
customer, so the customer should accept the situation. Neither party
should precipitate a breach of the peace by physically fighting over
it.

If the retailer does retain it, the customer should still report the
matter in the same way as a lost card.
 
E

Eric Jones

PeteM said:
Doubtless, but the cardholder has no knowledge of any agreements between
the retailer and the bank, so he cannot be expected to fulfil them.
However he *does* have an agreement with the bank which requires him to
take care not to lose the card. Clearly he should act in accordance with
the agreements he himself has made and not those that may or may not
exist between other parties.
Then I suggest you fish out any T&C of any credit card that you have in the
UK and it will be in there that the card is the property of the card issuer.
It is in there but you just have not bothered to read it.
 
N

nightjar

....
Interesting - you are the only person to suggest that they carry out
such checks at random - can you back this up. Others have suggested
unusual spending patterns which I could believe; random I can't, so
please supply some evidence or personal experience.
The retailer is never told why the verification is required, nor why a
particular card is refused, so there is no definite evidence either way.
Anyone who claims unusual spending patterns is probably extrapolating from
an experience of having their own card verified or even discovered as being
stolen through an unusual spending pattern. What certainly does happen is
that you get days when every transaction with a particular card type has to
be verified.

Colin Bignell
 
R

Richard Oliver

peterwn said:
Yes it does, but bear in mind that the phone call could be a fake,
therefore if your card is still 'taken' then telephone your issuing
bank asap.
I'd take them through security first - and ask them to prove who they
were. Perhaps arranging a callback to the mobile number they have on file.
 
P

PeteM

Then I suggest you fish out any T&C of any credit card that you have in the
UK and it will be in there that the card is the property of the card issuer.
It is in there but you just have not bothered to read it.
Please point out where I say or imply otherwise.
 
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M

Mr X

Alan Molesworth said:
I was in Tesco today - the guy in front of me was paying by credit
card.
The assistant swiped the card and from what she said a message had
came up on the screen asking that the card be verified by telephone
with the bank. She took the card and went off to the customer service
desk to phone the bank (or their agent) The guy seemed slightly
embarrassed - another assistant said "Don't worry - this is a random
check which happens every so often.
The amount of the bill was £3.84 !!!

Are retailers asked to carry out such checks at random?
I would have been tempted to say - get lost - can I have my card back.
"My" card?

The card is the property of the issuer.
Would Tesco have returned the card?
Not if they were asked to retain it, No.
 
A

Adrian

Alan Molesworth ([email protected]) gurgled happily, sounding much like they
were saying :
Are retailers asked to carry out such checks at random?
Very probably. That may have just been a line to calm a suspected
fraudulent user down, though.
I would have been tempted to say - get lost - can I have my card back.
Would Tesco have returned the card?
If it was your card but not you using it, and the card company said "Retain
it", would you want them to give it back solely because the thieving scrote
who'd got it said "Please?"?
 
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P

Poldie

Alan said:
I was in Tesco today - the guy in front of me was paying by credit
card.
The assistant swiped the card and from what she said a message had
came up on the screen asking that the card be verified by telephone
with the bank. She took the card and went off to the customer service
desk to phone the bank (or their agent) The guy seemed slightly
embarrassed - another assistant said "Don't worry - this is a random
check which happens every so often.
The amount of the bill was £3.84 !!!

Are retailers asked to carry out such checks at random?
It's called a `1 in n` check, where n can be a pretty high value,
meaning not many people get checked.

I got it once, at Tescos. "No reason to be embarassed", the manager
said. I wasn't embarassed - just pissed off that it took her about 10
minutes to get through to someone to do the voice auth.
 

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