Is It Safe To Pay Using Your Bank Card?

[gemz4the1]

Today I read a story about a certain restaurant overcharging a customer for their meal - instead of it being about £60.00 they were charged something in the region of £6000.00.

I have read numerous stories in the news the last few weeks inparticular whereby people have been overcharged for services - sometimes it is a small amount such as £120.00 instead of £100.00 but sometimes there is a couple of thousand pounds difference in the price.

On one story that I read, the person spent a small amount in a card shop, however he was charged over £1,000 and it was just before Christmas and that person contacted his bank and the Head Office of the card shop and he had to wait until after Christmas to get the money back.

Instances like these are becoming more common and it wouldn't be crazy to assume that it is a new way for somebody to commit fraud, similar to the way that fraudsters cloned cards.

Do you blame the people offering the service or do you blame the person using their card?  I admit myself I tend not to check the keypad before entering my pin if it is a small amount.  Does anybody else do that? 

Do you think that more security is needed for when people pay using their bank card?

Many banks have now introduced contactless payment - maybe this will help or maybe this will make things worse......

[Anonymous]

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@Anonymous wrote:
Ah right. He still should have checked though!

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Agreed ..... And I bet he does from now on too !

[gemz4the1]

Thanks for your responses guys.

It's nice to have a variety of opinions

[Beenherebefore]

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@gemz4the1 wrote:

Thanks for your responses guys.

It's nice to have a variety of opinions

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And because of the variety of opinions, you're still none the wiser.

[Anonymous]

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@gemz4the1 wrote:

Thanks for your responses guys.

It's nice to have a variety of opinions

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You're Welcome. 

been a nice little discussion with some good input. 

[Anonymous]

It's worth noting though that CREDIT cards usually offer better protection than DEBIT cards.

[Beenherebefore]

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@Anonymous wrote:

It's worth noting though that CREDIT cards usually offer better protection than DEBIT cards.

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Why ?....can you turn them into tasers 

[gemz4the1]

A variety of opinions is always helpful

[Bambino]

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@Beenherebefore wrote:

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@Anonymous wrote:

It's worth noting though that CREDIT cards usually offer better protection than DEBIT cards.

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Why ?....can you turn them into tasers 

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No but you might be able to tase a fraudulent charge easier if you use a credit card. A credit card will offer better protection because the money isn't taken from your account immediately, whereas as a debit card is, which will always make it harder to recover. Using a credit or debit card from Visa or Master Card always protects you from fraudulent use, but when you use either, you're always given a receipt. If you don't have the brain matter to check whether the charge on the receipt is the same as what you're supposed to be paying, maybe you should think about just using cash.

[Beenherebefore]

@Bambino ......yes basically it's because the financial transaction is between the retailer and VISA not the retailer and the customer. 

[gemz4the1]

Surely that would make things harder because some people do not realise right away that the amount is incorrect, then by the time it has processed, it would have debited the credit card account?