yep :/Originally Posted by Esmeralda, post: 317120
Now every time, the bank refunded all the money no questions but I did try and escalate the complaint because it just makes me feel completely unsafe! Of course all I got along the way was, well you've got the money back? Even after really pushing it, I never received even a half way decent answer as to why a card issued by the bank and sent internally, kept in a sealed envelope, could be used before I'd even got to the branch. They just kept on saying "well they can easily produce the numbers" but what about the CVV and things?
The card was used for £1 purchases on itunes which is apparently done to test the card and then escalating up to a few hundred at homebase online :/ but again, if I use itunes I have to have a cvv with the number and an address :/
Anyway, I'm sure the banks know all too well how it's happening but just aren't saying. After all, if it wasn't their fault, they wouldnt be so willing to pay the money back with no questions asked. Makes me believe it's some fundamental insecurity.
All I do sadly know is that you can have money fraudulently taken without ever having used your card. So whilst making sure not to use it in a dodgy petrol station is definitely good, it's not enough.
I do try nowadays never to use a debit card though. Put every thing on a credit card paid at the end of each month. At least that way if it does get scammed, you're arguing about not paying them whereas with a debit card you're arguing to get money back into your account. A bit more security with credit cards + points for virgin if done using their card ;-)