occasionally I use my wife's card as she has her purse out and mine isn't to hand. We'd be well peeved if my wife had to get out the car to state who she was. I've always said chip and pin solves no crimes at all as to be a good deterrent you'd need good retail staff and apart from your good self most don't really care whose card it is.
Chip & Pin - different name?
- Thread starter SteveB_NI
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occasionally I use my wife's card as she has her purse out and mine isn't to hand. We'd be well peeved if my wife had to get out the car to state who she was. I've always said chip and pin solves no crimes at all as to be a good deterrent you'd need good retail staff and apart from your good self most don't really care whose card it is.
I think it may be classed as fruad, you are told when you recieve your pin to keep it private, it dosnt tell you to let other people know it if you so wish, so im not too sure... maybe...
I wouldnt accept it, or id atleast ring up the office to find out if im okay to accept, could be theft...
I wouldnt accept it, or id atleast ring up the office to find out if im okay to accept, could be theft...
Soldato
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I would always be too afraid the customer'd look up and go "BUT I AM A MRS!"
DOH!
DOH!
ye male or female can have Mr or Mrs its only a name nowadays not a gender thing. I use other peoples cards all the time and tbh i would be really anoyed if i got refused a sale.
As far as i know th chip n pin removes all libility from the shop to the bank so its got nout to do with them if the customer knows the pin or the chip.
As far as i know th chip n pin removes all libility from the shop to the bank so its got nout to do with them if the customer knows the pin or the chip.
That's rubbish. Cards are only issued under one name, regardless of how many people are on the account.
It's against bank terms and conditions to disclose your PIN to anyone, and if you do, you are liable for fraud on the account. You should NEVER let anyone use a card if you have any doubt about their identification and they can't prove they are the card holder. It doesn't matter if they claim it is their wife/husband's card, it's not in their name.
EDIT: RobH - I've definately seen Dr, Rev and Lord, although you'd need ID to prove you should be using those titles.
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You shouldn't be using your wifes card. If you had access to that account, you'd have your own card in your name.
I did ask a while back and got told "We're waiting for a software upgrade before we can do that" but i'm not sure my boss even knows what the terms "software" and "upgrade" mean, lol.
Our tills are standard "back of a lorry" affair, so there may be some truth to that statement though.
Vixen said:
Actually, when I saw this thread, it reminded me of a court case I saw a while back where an OAP's carer had drawn large sums of money out of her account over a period of time.
Basically the lady had sent the carer to the cash machine to get her some money and she was withdrawing extra and keeping it to herself.
It also mentioned that the OAP was in a legal wrangle with the bank as they were refusing to pay the money back as she had knowingly handed over her PIN.
I don't know if they were in the right by doing this, but it does go to show what can happen if you give your PIN out.
I think if people allow partners to use their cards then that is up to them, ie go to the cashpoint and withdraw cash using each others cards - me and my partner do this all the time. I also think that shops have an obligation not to allow poeple using any other card than their own to pay for goods. If i ever used my partners card to purchase goods in a shop(which i have never done) via chip and pin i certainly wouldnt argue if the attendant refused to sell the goods to me.
I would quite happily allow my partner to use my card to buy things using the chip and pin method, as ive already mentioned tho' i do think shops shouldnt allow this to happen if they see it happening. Look at it this way, you lose your card, somehow the thief knows your pin number and then goes and spends a few hundred quid before you realise its missing - would you not be angry that the shop allowed someone other than you to use your card ???
no because the bank will cover you 100% (aslong as u didnt give them the pin) It is not the job of the shop anymore unless you sign for it.
If the person paying knows the PIN then there's a fairly high chance it's their partners or friends card....afterall, the point of ditching signatures was so that the authorisation for the card was not on the card itself to make it harder to use someone elses card.
If someone presents another persons card and it's stolen, what are the chances of them actually getting the PIN right when it's time to pay?
If the buyer gets the pin right, they were either an extremely lucky criminal, or told the PIN by the owner of the card.
Another part of the point in CnP though was so that only the cardholder ever actually touches the card. Too many cards were being skimmed by dodgy staff, and CnP removes the need for them to ever touch the card at all thus reducing that kind of crime. You should never actually be handing your card to checkout staff. Unless of course it's Tesco where they have to swipe it still, or Clintons who STILL use the signature!
If someone presents another persons card and it's stolen, what are the chances of them actually getting the PIN right when it's time to pay?
If the buyer gets the pin right, they were either an extremely lucky criminal, or told the PIN by the owner of the card.
Another part of the point in CnP though was so that only the cardholder ever actually touches the card. Too many cards were being skimmed by dodgy staff, and CnP removes the need for them to ever touch the card at all thus reducing that kind of crime. You should never actually be handing your card to checkout staff. Unless of course it's Tesco where they have to swipe it still, or Clintons who STILL use the signature!
I don't want a criminal record because you can't obey the rules.
How would you get a "criminal record" through myself or my partner using each others' cards ?
Ya Jobsworth !!
Can't see the problem tbh.
The only time it would cause a problem is in the 0.0001% of cases where someone is using a card for revenge or something.
Other than that it's just annoying people.
There is no way the shop would be prosecuted. How could they prove you knew about it (if it's even a crime, which I doubt).
The only time it would cause a problem is in the 0.0001% of cases where someone is using a card for revenge or something.
Other than that it's just annoying people.
There is no way the shop would be prosecuted. How could they prove you knew about it (if it's even a crime, which I doubt).
My post was regarding the shops liability for prosecution not the individual.
In any case I'd find it hard to believe it's fraud for the individual since there is no dishonesty. The other person will, in 99% of cases, have given permission for the person to use the card.
Irrelevant of whether its legal or not though, who cares? It doesn't matter if it's easy to obtain another card on the account. It isn't harming anyone so why be difficult and annoy people for no reason?
If there was more than a 1% chance that there was a crime being committed in each case I could understand but there isn't so why bother?