OK I'm stupid but the Barclays Advert ?
Discussion
Scare mongering.
When they produce cards with chip and pin, for security, force you to remember a dozen numbers, words and security questions, all in the name of security, then a few years later produce a card that just needs to pass NEAR to a sensor to have money removed.....
.....and they STILL try to tell you that security is their highest agenda.....
When they produce cards with chip and pin, for security, force you to remember a dozen numbers, words and security questions, all in the name of security, then a few years later produce a card that just needs to pass NEAR to a sensor to have money removed.....
.....and they STILL try to tell you that security is their highest agenda.....
Jimboka said:
I wish Barclays would stop this Internet numpty b
ks & concentrate on being a bank
I’ve had a Barclaycard for years, never had a problem, except it won’t allow me to spend any money. I have only ever used it to buy on line, car hire, plane tickets, etc, but one day it decided not to let me. Didn’t ask for security, didn’t warn me of anything, didn’t tell me to contact a bank, just said “declined”.ks & concentrate on being a bankThat happened several times, so it sits in my wallet now, unused, and I still get advertising blurb from them telling me all their special deals, but not a single communication asking why I don’t use it, or explaining why my purchases were declined.
No problem, I have other cards that DO actually work.
King Herald said:
Jimboka said:
I wish Barclays would stop this Internet numpty bks & concentrate on being a bank
I’ve had a Barclaycard for years, never had a problem, except it won’t allow me to spend any money. I have only ever used it to buy on line, car hire, plane tickets, etc, but one day it decided not to let me. Didn’t ask for security, didn’t warn me of anything, didn’t tell me to contact a bank, just said “declined”.ks & concentrate on being a bankThat happened several times, so it sits in my wallet now, unused, and I still get advertising blurb from them telling me all their special deals, but not a single communication asking why I don’t use it, or explaining why my purchases were declined.
No problem, I have other cards that DO actually work.
techiedave said:
Did you ring them ?
I was living on the far side of the planet whenever they declined, or on a ship. And no, I’m not making an international phone call because their system failed. I just pulled another card out. They have security questions, numbers, names, memorable words and all that b
ks for security checks, but they didn’t ask for anything. King Herald said:
techiedave said:
Did you ring them ?
I was living on the far side of the planet whenever they declined, or on a ship. And no, I’m not making an international phone call because their system failed. I just pulled another card out. They have security questions, numbers, names, memorable words and all that b
ks for security checks, but they didn’t ask for anything. Otherwise, ping ping ping goes the fraud detector.
Henners said:
King Herald said:
techiedave said:
Did you ring them ?
I was living on the far side of the planet whenever they declined, or on a ship. And no, I’m not making an international phone call because their system failed. I just pulled another card out. They have security questions, numbers, names, memorable words and all that b
ks for security checks, but they didn’t ask for anything. Otherwise, ping ping ping goes the fraud detector.
Went to tell BC that I was going to use my card abroad and they simply tell you not to bother as their systems will account for all that automatically.
Now, I only rarely use this card for purchases so when I do use it and it's on the other side of the world, won't this flag up as suspicious?
valiant said:
Went to tell BC that I was going to use my card abroad and they simply tell you not to bother as their systems will account for all that automatically.
Now, I only rarely use this card for purchases so when I do use it and it's on the other side of the world, won't this flag up as suspicious?
Interesting, I know a few places are doing this now - Tesco for example.Now, I only rarely use this card for purchases so when I do use it and it's on the other side of the world, won't this flag up as suspicious?
Some things still ping - France, OK, Sudan, ping ping ping
The checks are just rationalised.
Anti-fraud software for the banks is what i do for a living. I won't say who or who doesn't use our software for obvious reasons, but i know the industry itself very well.
Firstly, BarclayCard is a separate systems to Barclays, separate institution completely so to make the leap from one to the other is a moot point. As some have suggested, purchasing from other countries outside your normal purchasing country is a key fraud indicator. However, most companies these days use a mathematical risk engine to calculate the likelihood of fraud, the location is just one of the indicators among many, which help them "weight" the transaction. So, simply an IP address abroad isn't enough to mark a transaction as fraud, but as the fraud indicators build up, the higher the risk score and the more likely they are to decline the transaction (or step-up authenticate with static card details as people have no doubt experienced).
So, king herald, if they have declined your transaction (and you have a credit limit etc) then i'm afraid they have put you in the fraudster bucket. I can explain for you though, why it didn't tell you "why" on the web page, or via any communication. The banks in general don't want to give the fraudsters an indicator of why a transaction failed, for fear of potentially giving said fraudster more date to attack them with. Why didn't they communicate by phone/ letter? Well because a common fraudster MO is to take over your account and change those details before committing the fraud. They essentially adopt the policy of waiting for the customer to come to them. In fact this is increasingly being labelled as industry best practice, and in the new version of 3D secure (the prescribed process card issuers have to go through when they take online card payments) actively states that no decline feedback shall be given on the decline page.
As regards to the OP around the adverts, well, every little helps i guess. There are some major changes coming up for the banks in the industry, regulation changes forcing them to change customer behavior, this is just sowing the seed for that.
Firstly, BarclayCard is a separate systems to Barclays, separate institution completely so to make the leap from one to the other is a moot point. As some have suggested, purchasing from other countries outside your normal purchasing country is a key fraud indicator. However, most companies these days use a mathematical risk engine to calculate the likelihood of fraud, the location is just one of the indicators among many, which help them "weight" the transaction. So, simply an IP address abroad isn't enough to mark a transaction as fraud, but as the fraud indicators build up, the higher the risk score and the more likely they are to decline the transaction (or step-up authenticate with static card details as people have no doubt experienced).
So, king herald, if they have declined your transaction (and you have a credit limit etc) then i'm afraid they have put you in the fraudster bucket. I can explain for you though, why it didn't tell you "why" on the web page, or via any communication. The banks in general don't want to give the fraudsters an indicator of why a transaction failed, for fear of potentially giving said fraudster more date to attack them with. Why didn't they communicate by phone/ letter? Well because a common fraudster MO is to take over your account and change those details before committing the fraud. They essentially adopt the policy of waiting for the customer to come to them. In fact this is increasingly being labelled as industry best practice, and in the new version of 3D secure (the prescribed process card issuers have to go through when they take online card payments) actively states that no decline feedback shall be given on the decline page.
As regards to the OP around the adverts, well, every little helps i guess. There are some major changes coming up for the banks in the industry, regulation changes forcing them to change customer behavior, this is just sowing the seed for that.
eltax91 said:
Anti-fraud software for the banks is what i do for a living. I won't say who or who doesn't use our software for obvious reasons, but i know the industry itself very well.
As regards to the OP around the adverts, well, every little helps i guess. There are some major changes coming up for the banks in the industry, regulation changes forcing them to change customer behavior, this is just sowing the seed for that.
Thanks for that and to the guy who mentioned the fake letterboxes much appreciated.As regards to the OP around the adverts, well, every little helps i guess. There are some major changes coming up for the banks in the industry, regulation changes forcing them to change customer behavior, this is just sowing the seed for that.
King Herald said:
I was living on the far side of the planet whenever they declined, or on a ship.
And no, I’m not making an international phone call because their system failed. I just pulled another card out. They have security questions, numbers, names, memorable words and all that bks for security checks, but they didn’t ask for anything.
Perhaps if you did it might have been cleared up. I suspect though that you are quite happy as effectively you had the last word with them. Just how you come across TBHAnd no, I’m not making an international phone call because their system failed. I just pulled another card out. They have security questions, numbers, names, memorable words and all that b
ks for security checks, but they didn’t ask for anything. techiedave said:
Barclays TV Advert
Girl shown having personal details taken from her social media and hidden bloke making credit card app in her name
But surely any such card would be delivered to her address. So how does he in his bedsit gain ?
I know I'm thick but don't get it
its a bit of a far fetched example but the principle is the same. You'd be using a fake address though (P/O box or something) Using someone else's name combined with a few personal details you can apply for credit, rack up a huge bill sending stuff to your mate in Bulgaria and effectively disappear into thin air.Girl shown having personal details taken from her social media and hidden bloke making credit card app in her name
But surely any such card would be delivered to her address. So how does he in his bedsit gain ?
I know I'm thick but don't get it
Its trying to teach people not to put personal details online and beware about who they give them to IRL. To do this they have to dumb it down to a level the average idiot understands, so some artistic license is taken.
The biggest risk most people face with identity fraud isn't identity fraud but stolen card numbers. All you need to make transactions online are the name, card number and expiry date. All other details (address, CCV) are optional. Organised gangs run thousands of card numbers with £5-10 transactions using automated programs, if only a fraction work then its a huge money spinner (relies on the volume of card numbers obviously). A lot of people don't check their statements... or check them clearly so this behaviour often goes unnoticed and the amount is low enough that it's below the detection threshold of the banks fraud detection system..
Henners said:
Assuming you let them know you would be out of your usual country?
Otherwise, ping ping ping goes the fraud detector.
My home address was in the Philippines, they know my employ, and I had used the card in several countries across the world beforehand.Otherwise, ping ping ping goes the fraud detector.
techiedave said:
Perhaps if you did it might have been cleared up. I suspect though that you are quite happy as effectively you had the last word with them. Just how you come across TBH
“Just how I come across”?? Their card is in my wallet still, one day I will use it, if I think about it, no ‘last word’ has been had by anybody, I’m not 12.I use HSBC for my main banking, so paying Barclaycard repayments also means opening another web page, going through the usual tedium of security and the obligatory secrets numbers and questions, so easier not to use the Barclaycard unless I really need to.
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