Visa debit card.

[soaps]

If I lost or had my DC stolen, can it be used to order goods.? would they have to have my PIN; NO: to be able to use it? i only use it to withdraw cash from the ATM machines,

[jackthehat]

Without a pin there is noway it can be used at an ATM or in a shop.

However, anyone finding it can buy things on-line where it is simply a matter of entering the details displayed on the card.

[daftgrandad]

If it is stolen or lost,CANCEL it at the earliest oppurtunity.
It ca be used to order goods online,i.e. no PIN requred.

[gingejbee]

....although some places will only send goods to the cardholder's address.

[soaps]

OK, thanks.No, It hasn't been lost or stolen, I was just wondering if it could be used if it were.
The company's who issue these cards are making it easy for the thief to use them, maybe if the first or last 4 digits were removed and only the card holder knew them it would cut down on a lot of theft.

[boxtops]

The answer is yes, it can. You can buy on-line just by quoting the three digit number on the back, you don't need a PIN to buy on-line - and you CAN use it in shops if the shops have moved over to these new wave-your-card-in-front-of-the-scanner thingies. IMO the scanners are fraught with problems, there is no need for anyone to prove who you are.

[MarkRae]

In addition to the other (correct) responses, it is precisely for this that Verified-by-Visa was introduced. If you haven't signed up for that, I would strongly urge you to do so immediately: http://www.visaeurope...verified_by_visa.aspx

[mrs.chappie]

http://www.visaeurope...verified_by_visa.aspx

If the card is registered with Verified by Visa, the finder would have to know your password before a transaction would be sanctioned.

[mrs.chappie]

Oops, sorry.....didn't see Mark's reply there.

[jno]

do they verify-by-Visa with purchases over the phone?

[MarkRae]

As a slight aside, I used to work for Visa International in the late 80s and early 90s and still see some of my former work colleagues socially, a couple of whom work in Security and Fraud Prevention. Last time we met, one of them told me that fewer and fewer people are signing the backs of their credit cards these days because of chip and pin (think about it - when did you last sign for anything you bought on your card?), and they recently received a stolen credit card back from the police where the cardholder had not only written the PIN on the back but also the VbV password...

[MarkRae]

No jno - VbV is specifically for online purchases...

[jno]

thanks, MarkRae; so that means if someone got my Visa card they could buy things over the phone with no more than the details on the card itself? I shall bear it in mind for when I begin my criminal career.

[mrs.chappie]

Yes they do, jno. You have to enter your password.

[MarkRae]

In theory, yes, although that means of purchase is seriously on the decline. Fewer and fewer retail outlets provide a telephone sales service and, as has already been pointed out, the vast majority which still do will only deliver to the genuine cardholder's billing address...

[mrs.chappie]

Sorry jno....I'm thinking of buying off the internet (which I do, a lot).

[MarkRae]

Really, Mrs C? That must be fairly new. Presumably, you enter it with the telephone keypad rather than actually spelling it out verbally...

[jno]

I guess the cardholder's address is the only security mechanism; but since it affects the physical delivery of goods it's probably enough.

[MarkRae]

http://www.webmasterworld.com/forum22/4072.htm

[mrs.chappie]

Sorry Mark, as mentioned in that post above, I was thinking of ordering off the internet.....I always order my stuff online.

The whole idea is to have extra protection with VBV, so I would think you'd need to give a password though, even on the telephone. Perhaps someone who's used it that way will clarify.

[MarkRae]

Surely nobody in their right mind would actually give out their VbV (or Mastercard equivalent) password over the phone: http://www.affiliates...hone-scam-beware.html