Ah, I see now, you are suggesting not using a credit card at all except on the web, and then only a webcard?
I know someone who went outdoors, crossed the road and was killed. I presume you will never cross roads from now on?
In article , Tumbleweed writes
Please feel free to jump to any conclusion you wish.
With a bit of luck you might get killed crossing the road...
Take care!
sk8terg1rl (sk8terg1rl snipped-for-privacy@yahoo.co.uk) gurgled happily, sounding much like they were saying :
Oh, for god's sake...
Paranoia rules.
Quite.
But is it not the case that these "cards" can *only* be used on line, and that therefore theft of details elsewhere is completely eliminated?
Whoosh!
If that`s the case, then you are asking for trouble - the sooner you can spot an unknown transaction, the sooner you can stop it.
Did they really? Can you please explain how I therefore know nobody who used to do this, having asked in work yesterday? Out of about 20 people, nobody let a waiter walk off with their card.
So how do you use your credit card in the real world then? Which was certainly the more likely place to have your card details exposed to a criminal.
Not quite - they can be used for a wide range of "cardholder not present" transactions - eg booking a hotel room by phone (one of the things I do use my webcard for).
Not only do they give the advantage that the hotel (or whatever) can only charge up to the (low) limit I have set but, if a third party can get hold of them (say by stealing a hotel notebook) - the limit still applies* and the "card" will soon expire.
*and probably has already been reached by the hotel's charge..My "real plastic" possibly places me at bigger risk - but I can normally choose whether to use it or not, depending on the situation that I can see. For example, I can choose to use cash machines inside banks rather than those outside.
Yes (if you include other remote transactions as "online").
But the point is that most people will still also have a plastic card, in order to be able to use it when physically present. And the webcard will not restrict the details of that card being stolen, and then used on line.
In article , Alex Heney writes
Wrong. As usual you are pontificating about something you know very little about.
A webcard is a one-off virtual credit card, with its own unique 16-digit visa number and CVS, with a set limit and a one-month validity time- window. It is good for one transaction only (and I had that confirmed a moment ago by Cahoot).
Now repeat that rather ill-informed claim that "a webcard will not restrict fraudulent *use* on line"
In article , Simon Finnigan writes
I very rarely have any *need* to use it. It is quite easy to draw cash and pay with that.
We are existing in an increasingly websales-based world...
In article , Adrian writes
I do not miss the point. Please do try to keep up at the back.
As I have now explained a number of times you can have a webcard facility with a Cahoot current a/c and no credit card.
I was completely correct.
Your (wrong) opinion.
I know all that..
Of course it won't restrict fraudulent *use* on line.
The webcard is *only* of use for remote transactions.
If you have a normal credit/debit card, then the webcard will NOT restrict fraudulent use on line.
It is of use only in preventing your details from being stolen on line.
It will not restrict the opportunities for your card details to be stolen off line, and nor will it restrict the fraudulent usage of those details on line.
You *do* miss the point.
You appear to have completely missed the point in most of your posts in this thread.
Which is only of any use if you don't want a general card facility, but want to be able to make purchases on line.
I suspect that not many people who don't want a general card would be happy about purchasing on line regardless of card security issues.
OK, I'm happy to count phone transactions as "online" in this context.
That's not much of a point, as it's just self-evident. What might be interesting, though, is to run an experiment in which a large sample of people use a webcard for all their online transactions and a real plastic card for all their offline transactions, for a reasonably long period (a few years) and to compare the results with those of a control group who use only real plastic for both.
If the number of "detail thefts" suffered in the two groups turn out to be about the same, it would support the hypothesis that they occur predominantly off line, and that therefore online use of real plastic cards isn't as risky (compared with their use off line) as some would have us believe.
Mr X ( snipped-for-privacy@privacy.net) gurgled happily, sounding much like they were saying :
You continue to miss it by a country mile.
And how do you use that in a restaurant or petrol station?
Simple. You don't. You have to use a normal credit card. Which is then ripped off and used online.
Indeed, their web site says as much:
However, I certainly have used a transaction number for more than one purchase and it has gone through without problems.
Could it be that small "cardholder not present" transactions do not need online authorisation and so the "one-time use" online check is bypassed? I leave that to those that know how "cardholder not present" small transactions are processed.
I have also had a supplier come back and take a second payment from the same transaction number, within the validity period and with the total within the limit I had set.
In article , Adrian writes
Why do you "have" to use a credit card?
Not a very flexibly-minded person are you?
I find cash to be perfectly adequate
I'll skip the fact that I don't buy fuel in this country.
As above.
In article , =?UTF-
8?B?UGFsaW5kcuKYu21l?= writes
It has happened to me on a couple of occasions. Strangely enough just this morning when
Yes, I don't know why that is.
There is currently a fault on the system and a number of webcard transactions are being declined without reason. I've been promised it'll be fixed today.
But I have discovered it won't violate the user-set limit -- I tried to book my daughter a driving test and the website was authorising in real time and I'd set the limit too low and I could see it bouncing all the time. It was trying 50p over the limit I'd set!
Mr X ( snipped-for-privacy@privacy.net) gurgled happily, sounding much like they were saying :
OK, you don't HAVE to (and I'm including debit cards within the scope of credit cards here).
You could pay with cash. You could pay with a cheque (except for the small detail that most guarantee cards won't stretch to a full tank or a meal for two, and act as debit cards anyway)
How much do you carry on average?
I do. My car only takes 75 in the tank now that fuel prices have come down
- my record is just over 90.
If I stop at the petrol station at the supermarket on the way to/from the store that could easily be 150+ in cash.
You're right, I could do it without plastic, but...
In article , Adrian writes
£20 to £30I've got £25 in notes in my pocket right now, plus some coins..
Why is that a problem? No cash machine nearby?
It's all down to perception.... Your perception right now is that you feel comfortable using your credit card....
If you're happy, I'm happy.
My remarks earlier about card abuse were directed towards some earlier posters who were suggesting/implying that fraud was the only danger from card abuse.
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