I hardly ever use my bank card, and never online. Mostly use PayPal or credit card. Not saying it is any safer but just feels that way.
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Very complex phone phishing on personal account
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Originally posted by Paracelsus View PostThe only clue I found was that some merchants/payment processors require much less info than others to do a transaction e.g. not requiring the usual combination of name, card number, CVV, postcode,Down with racism. Long live miscegenation!Comment
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Originally posted by Paracelsus View Post
The only clue I found was that some merchants/payment processors require much less info than others to do a transaction e.g. not requiring the usual combination of name, card number, CVV, postcode, which reduces the info needed to transact...but I would have thought (perhaps naively) Amazon would not be so blasé.'CUK forum personality of 2011 - Winner - Yes really!!!!Comment
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I very rarely use my debit card, business or professional. I don't know if every bank does this, but in my card setup in online banking / app I have options to restrict its use to certain things or to freeze it.
So for instance Contactless, Online & Telephone, Gambling, International , Chip and pin can all be individually enabled or disabled. Freezing it disables all use. That's how mine sits 99% of the time.
Next, I use a normal credit card for purchases from big companies I trust, Sainsbury , Waitrose, Amazon etc.
Finally I have a Revolut account, this is very powerful in the level of control it gives you. The best thing is being able to create single use card numbers. As the name implies the number is destroyed after a single transaction, so you never have the problem of them losing your details or being hacked, or automatically renewing something in a years time to "help you". I always use this for RAC for instance.
Next it allows you to create virtual cards which can be tied to specific reasons (if you wish). So for example I have a virtual card that only PayPal has that number. I can then freeze that or set a spending limit per month. Or you can destroy a card at the click of a button. So if it was ever in the news that PayPal was hacked for example, I can destroy that card and create a new one in seconds. As this is a debit card you do lose the protection a credit card gives you, so there is a downside.Comment
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Originally posted by escapeUK View PostI very rarely use my debit card, business or professional. I don't know if every bank does this, but in my card setup in online banking / app I have options to restrict its use to certain things or to freeze it.
So for instance Contactless, Online & Telephone, Gambling, International , Chip and pin can all be individually enabled or disabled. Freezing it disables all use. That's how mine sits 99% of the time.
Next, I use a normal credit card for purchases from big companies I trust, Sainsbury , Waitrose, Amazon etc.
Finally I have a Revolut account, this is very powerful in the level of control it gives you. The best thing is being able to create single use card numbers. As the name implies the number is destroyed after a single transaction, so you never have the problem of them losing your details or being hacked, or automatically renewing something in a years time to "help you". I always use this for RAC for instance.
Next it allows you to create virtual cards which can be tied to specific reasons (if you wish). So for example I have a virtual card that only PayPal has that number. I can then freeze that or set a spending limit per month. Or you can destroy a card at the click of a button. So if it was ever in the news that PayPal was hacked for example, I can destroy that card and create a new one in seconds. As this is a debit card you do lose the protection a credit card gives you, so there is a downside.
I stopped using Amazon a few years ago, for various reasons, but partly because they don't accept PayPal and I don't want my credit card stored there. I pretty much use eBay/PayPal for most things these days.
Like you, the only places I have my credit card stored are Sainsburys and one other site I use regularly. In both cases, larger transactions require text pass code authorisation.
And, like you, I hardly ever use my debit card for anything, and never online.
Last edited by woody1; 26 July 2024, 07:14.Comment
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Originally posted by sadkingbilly View PostI use cash...Comment
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