Partner/offspring Using your credit card is illegal

[tmk2]

We recently have been getting/noticing a huge number of Card holder not present cases at work with mainly parents giving them their cards to use, unfortunaatly it is illegal and we have to call our merchant banker to assert if the card is stolen (which is a pain) also has a high chance of the card being destroyed. Just wondering if people are aware that you cannot do this.

Mods can you keep this in the lounge till I get a few votes

Edited by tmk2 on Saturday 27th June 20:06

[BonzoGuinness]

Doesn't "Cardholder Not Present" refer to telephone/postal transactions, rather than someone other than the cardholder using the actual card say at an ATM or in a chip and pin terminal?

[ray_von]

Eh? Cars/cards?? What are you on about?

[va1o]

I used to use my parents card to pay for stuff online when I was much younger, never thought it was illegal to do that as I had their permission?

[GreenV8S]

tmk2 said:

Partner/offspring Using your credit card is illegal

Which law do you think it would be breaking?

[Mexico.]

What stolen car/card are you talking about

Cheers

The meerkat

[tmk2]

BonzoGuinness said:

Doesn't "Cardholder Not Present" refer to telephone/postal transactions, rather than someone other than the cardholder using the actual card say at an ATM or in a chip and pin terminal?

its what our merchant classes it as, as it isn't strictly a code ten or a authorization

[Simond001]

It may not suit your merchant, but that doesnt make it illegal.

[bigandclever]

I'm assuming you're talking about face to face transactions. I could imagine it being against the terms of the credit card company for the cardholder to let someone else use their card, but not 'illegal'. Anyway, if you're suspicious of the person presenting the card isn't that what the Code 10 is for?

[Nolar Dog]

I regularly either give my card to people to use without me present or pass them the required details if they wish to use it online.

[anonymous-user]

If you you have a look as the details, this is not illegal, just breach of T&C of the credit card company...

[loafer123]

Isn't it common practise in the US, even for face to face transactions?

[bigandclever]

The problem will be that the proper cardholder could just flag the transaction as fraudulent, after all the cardholder wasn't present. The credit company will investigate and require proof from the shop (or whatever) that all appropriate steps were taken to ensure it was a legit transaction. If the shop can't do that, and they haven't got an agreement from their merchant that they can accept CNP transactions, then the shop will be liable for the transaction. So the shop has 2 choices: go with a merchant scheme that will allow them to do CNP transactions; or as a policy refuse them - which sounds like the case here. The 'illegal' bit is still, I think, erroneous but it's a good excuse to tell the customer facing lot.

[Yorkshire Tea]

Its against the terms of conditions of the accounts of the bank I work for, but that doesnt mean its illegal

[snuffle]

Nolar Dog said:

I regularly either give my card to people to use without me present or pass them the required details if they wish to use it online.

If I say please and thankyou do I qualify?

[Simpo Two]

Teenage daughter got sale rejected in Tescos when she tried to use her mother's debit card, even though she had permission.

You can see why - it would be all too easy for a wayward teenager to steal their parenbt's card and go beserk with it.

[Nolar Dog]

I'm suprised anyone even checked the card to ascertain it wasn't hers.

[Poledriver]

Nolar Dog said:

I regularly either give my card to people to use without me present or pass them the required details if they wish to use it online.

I've just found a new supercharged engine for a bargain £4,000! Please can you PM me you card details?

[Ow]

I had my mums card to pay for some food shopping the other week, about £150 probably and when it came to paying I realised there was no chip and pin machine!
The girl on the till said 'I'm guessing the cards not yours, but sign it anyway'
I wonder what she would have said had I been buying 10 dvd's, or a TV rather than the weekly shop

[mrmaggit]

bigandclever said:

The problem will be that the proper cardholder could just flag the transaction as fraudulent, after all the cardholder wasn't present. The credit company will investigate and require proof from the shop (or whatever) that all appropriate steps were taken to ensure it was a legit transaction. If the shop can't do that, and they haven't got an agreement from their merchant that they can accept CNP transactions, then the shop will be liable for the transaction. So the shop has 2 choices: go with a merchant scheme that will allow them to do CNP transactions; or as a policy refuse them - which sounds like the case here. The 'illegal' bit is still, I think, erroneous but it's a good excuse to tell the customer facing lot.

We get this A LOT, especially by people wanting to pay over the phone for somebody else to collect. It's Company policy to refuse all such transactions. But then, as we can usually deliver locally within 6-9 hours, is it really a problem? To some people it is, they insist that if they OK it, it's all hunky-dory. Well, our bank has informed us, as has been stated above, that we will not be paid if the transaction is queried, and that we may not be paid if all details don't match on telephone sales also.

It's for the customers (and our) protection. How would you feel if your card was used by somebody ordering over the phone and a different party collected the goods? Easy if you think about it. We get two Mr Browns ring up for goods, the ticket is left on the counter, but given to the collector on behalf of the wrong "Mr Brown", we lose on both.

If you time is THAT important, plan your job! Or send your oppo down with the cash or a cheque, that we can accept. Don't blame us for trying to protect you from fraud, and us, for that matter.