Credit Card - for DIY Purchases

[Dave Liquorice]

Bah I had something similar the other night trying to pay for car insurance online via debit card. One of the questions was "Have you ever lived or being associated with any of these address's?" The a list of half a dozen first address lines. One of which was "12 Greentree Road", which is a couple of doors down from where I have lived at a "12 Bough Villas, Greentree Road". As "12 Greentree Road" is incorrect I didn't select that line and the transaction was declined. The damn system then remembered the attempt and wouldn't let me pay via DC even 24hrs+ later, had to pay by CC and take the

1.5% fee, barstards.

Verified by Visa is a PITA, I forgot the password I could remember (shut up at the back) but it won't let you reset the password to one you have used before. The upshot is I can *never* remember the password and have enter a new, unique, one everytime...

[Martin Brown]

Verified by Visa is a near textbook example of how not to implement a secure payment authentication system. It is way too vulnerable to a classic man-in-the-middle attack. Details of its failings are online at:

it and weep!

[Mark]

Agreed. And I've never managed to get a transaction using VWV to work at all. The page always times out.

[Mark]

Personally I think that the risk of me forgetting to pay on time is far greater. If there is a fraudulent transaction which the CC card does not spot you still have time to query the bill before the direct debit would be taken.

The anti-fraud system has only triggered once for me and it was fraud.

[Andy Champ]

I triggered for me last week.

Someone somewhere bought some Ryanair tickets (among other things) which seemed to me to be an ideal chance to catch them - they'll be at a known place at a known time, with ID.

Nothing can be done until paper forms have been exchanged between myself and the card company. Bet the bird has flown by then...

Andy

[Wesley]

Wouldn't they have to supply some details for the refund?

[Dave Liquorice]

possible

In theory the refund should go back to the card but in theory the card shouldn't have been able to be charged with the fraudulent purchases in the first place.

Invent some sob story of having to cancel the holiday because their house hand been burgled/fire and they need the cash or Aunt Bessie has died and on top of all that they have had their wallet/purse stolen so don't have that card any longer and anyway it's been stopped and the replacement hasn't arrived etc...

[Part Timer]

Verified by Visa/Secure Code I try to avoid by using Amex, but fewer companies accept it and some that do subsequently phone up and say payment didn't go through. They don't know how to handle a card number of different length, 4 digit security code etc.

[hugh]

AMEX charge the retailers a higher %age transaction fee.

[NT]

And I'm told have a habit of siding with the consumer in disputes. When I got Amex noone would accept it.

NT

[Tim]

You're all missing the point. Get a worthwhile refund from Ryanair?? Good luck to 'em!

Tim

[geoff]

I don't