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Charge/debit card, no issue number?
My recently issued charge/debit card with a chip (Maestro) has no
issue number. I is issued by Bank of Ireland (Northern Ireland), hence sterling and, AFAIK, normal UK rules apply. So, it cannot be used for online purchases. I rang the bank to complain. They agreed that it had no issue number; they suggested that some online retailers would accept an order with issue number unspecified; others would accept '1'. The bank person then went on to gibe me a short lecture on the folly of using a charge card online or for telephone order ... others could get access to your bank account, etc. ... Always use a credit card ... On reflection, though I was initially unimpressed with the cautionary lecture, maybe they are correct; I am aware of the protections one has when using credit card. The specific case that prompted the complaint was we making a small purchase, over the phone, from a small local retailer; I figured that they could benefit from the x% that a credit card would charge them. Sillyness on my part? Probably. Are other UK bank charge cards like this? Best regards, Jon C. |
Charge/debit card, no issue number?
wrote:
My recently issued charge/debit card with a chip (Maestro) has no issue number. I is issued by Bank of Ireland (Northern Ireland), hence sterling and, AFAIK, normal UK rules apply. So, it cannot be used for online purchases. I rang the bank to complain. They agreed that it had no issue number; they suggested that some online retailers would accept an order with issue number unspecified; others would accept '1'. The bank person then went on to gibe me a short lecture on the folly of using a charge card online or for telephone order ... others could get access to your bank account, etc. ... Always use a credit card ... On reflection, though I was initially unimpressed with the cautionary lecture, maybe they are correct; I am aware of the protections one has when using credit card. The specific case that prompted the complaint was we making a small purchase, over the phone, from a small local retailer; I figured that they could benefit from the x% that a credit card would charge them. Sillyness on my part? Probably. Are other UK bank charge cards like this? Best regards, Jon C. Did you mean to post this to a consumer newsgroup? |
Charge/debit card, no issue number?
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Charge/debit card, no issue number?
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Charge/debit card, no issue number?
On Feb 24, 12:56 pm, Alistair Riddell wrote:
On Sat, 24 Feb 2007, wrote: My recently issued charge/debit card with a chip (Maestro) has no issue number. I is issued by Bank of Ireland (Northern Ireland), hence sterling and, AFAIK, normal UK rules apply. So, it cannot be used for online purchases. I rang the bank to complain. They agreed that it had no issue number; they suggested that some online retailers would accept an order with issue number unspecified; others would accept '1'. The bank person then went on to gibe me a short lecture on the folly of using a charge card online or for telephone order ... others could get access to your bank account, etc. ... Always use a credit card ... On reflection, though I was initially unimpressed with the cautionary lecture, maybe they are correct; I am aware of the protections one has when using credit card. The specific case that prompted the complaint was we making a small purchase, over the phone, from a small local retailer; I figured that they could benefit from the x% that a credit card would charge them. Sillyness on my part? Probably. Are other UK bank charge cards like this? Royal Bank of Scotland Maestro cards do not bear an issue number either. Online retailers should accept all domestic Maestro cards whether they bear an issue number or not - when an issue number is not present then the start date on the card is normally required instead. Ah, okay, that clarifies. Probably a non-problem, for retailers will soon catch on; and , there a plenty of reasons to prefer a credit-card. Many thanks everyone, Jon C. |
Charge/debit card, no issue number?
Alistair Riddell wrote:
On Sat, 24 Feb 2007, wrote: My recently issued charge/debit card with a chip (Maestro) has no issue number. I is issued by Bank of Ireland (Northern Ireland), hence sterling and, AFAIK, normal UK rules apply. So, it cannot be used for online purchases. I rang the bank to complain. They agreed that it had no issue number; they suggested that some online retailers would accept an order with issue number unspecified; others would accept '1'. The bank person then went on to gibe me a short lecture on the folly of using a charge card online or for telephone order ... others could get access to your bank account, etc. ... Always use a credit card ... On reflection, though I was initially unimpressed with the cautionary lecture, maybe they are correct; I am aware of the protections one has when using credit card. The specific case that prompted the complaint was we making a small purchase, over the phone, from a small local retailer; I figured that they could benefit from the x% that a credit card would charge them. Sillyness on my part? Probably. Are other UK bank charge cards like this? Royal Bank of Scotland Maestro cards do not bear an issue number either. Online retailers should accept all domestic Maestro cards whether they bear an issue number or not - when an issue number is not present then the start date on the card is normally required instead. HTH As far as I know none of the credit/debit cards issued by banks and building societies have issue numbers. In fact if you look at the form to purchase on line they always point out that issue numbers are for switch cards only. |
Charge/debit card, no issue number?
Broadback wrote:
As far as I know none of the credit/debit cards issued by banks and building societies have issue numbers. In fact if you look at the form to purchase on line they always point out that issue numbers are for switch cards only. Erm,Switch (well, Maestro) cards *are* debit cards issued by banks, and most of them do have issue numbers. Mine certainly does anyway. Alex |
Charge/debit card, no issue number?
My recently issued charge/debit card with a chip (Maestro) has no
issue number. I is issued by Bank of Ireland (Northern Ireland), hence sterling and, AFAIK, normal UK rules apply. So, it cannot be used for online purchases. I rang the bank to complain. They agreed that it had no issue number; they suggested that some online retailers would accept an order with issue number unspecified; others would accept '1'. The bank person then went on to gibe me a short lecture on the folly of using a charge card online or for telephone order ... others could get access to your bank account, etc. ... Always use a credit card ... On reflection, though I was initially unimpressed with the cautionary lecture, maybe they are correct; I am aware of the protections one has when using credit card. The specific case that prompted the complaint was we making a small purchase, over the phone, from a small local retailer; I figured that they could benefit from the x% that a credit card would charge them. Sillyness on my part? Probably. Are other UK bank charge cards like this? Royal Bank of Scotland Maestro cards do not bear an issue number either. Online retailers should accept all domestic Maestro cards whether they bear an issue number or not - when an issue number is not present then the start date on the card is normally required instead. HTH As far as I know none of the credit/debit cards issued by banks and building societies have issue numbers. In fact if you look at the form to purchase on line they always point out that issue numbers are for switch cards only. I have to disagree. My HSBC debit card that bears the Maestro and Cirrus logos has an issue number and expiry date but no start date. My Nationwide debit card with Link and VISA symbols has an expiry date but no issue number. I wonder where your information came from? Peter Crosland |
Charge/debit card, no issue number?
wrote in message oups.com... My recently issued charge/debit card with a chip (Maestro) has no issue number. I is issued by Bank of Ireland (Northern Ireland), hence sterling and, AFAIK, normal UK rules apply. So, it cannot be used for online purchases. Older Switch / Maestro cards which had 18 or 19 digit numbers need an issue number. They are being replaced with cards that have 16 digit numbers, which do not have or need an issue number. I rang the bank to complain. They agreed that it had no issue number; they suggested that some online retailers would accept an order with issue number unspecified; others would accept '1'. Using an issue number with a 16 digit number card will result in the transaction being rejected. The bank person then went on to gibe me a short lecture on the folly of using a charge card online or for telephone order ... others could get access to your bank account, etc. ... Always use a credit card ... Better advice would be to only use online retailers who work through a secure third party card processor, such as Protx. The retailer never gets to see your card details that way. From the middle of this year, there will be additional protection, when Maestro insists upon 3D protection, which requires you to give a password to validate your card use, similar to the 'Verified by VISA' system, which is currently optional. The specific case that prompted the complaint was we making a small purchase, over the phone, from a small local retailer; I figured that they could benefit from the x% that a credit card would charge them. Sillyness on my part? Probably. Telephone orders have quite different rules from online sales. The retailer should be able to process the card with the number, the start date, the expiry date, the security code on the signature strip, your post code and house number. Colin Bignell |
Charge/debit card, no issue number? In Eire it's just LASER
Maestro virtually useless in Eire surprisingly though works in ATM's.
I thought idea of dumping "Switch" branding was to make it International. On Feb 24, 4:48 pm, "nightjar" nightjar@insert my surname here.uk.com wrote: wrote in message oups.com... My recently issued charge/debit card with a chip (Maestro) has no issue number. I is issued by Bank of Ireland (Northern Ireland), hence sterling and, AFAIK, normal UK rules apply. So, it cannot be used for online purchases. Older Switch / Maestro cards which had 18 or 19 digit numbers need an issue number. They are being replaced with cards that have 16 digit numbers, which do not have or need an issue number. I rang the bank to complain. They agreed that it had no issue number; they suggested that some online retailers would accept an order with issue number unspecified; others would accept '1'. Using an issue number with a 16 digit number card will result in the transaction being rejected. The bank person then went on to gibe me a short lecture on the folly of using a charge card online or for telephone order ... others could get access to your bank account, etc. ... Always use a credit card ... Better advice would be to only use online retailers who work through a secure third party card processor, such as Protx. The retailer never gets to see your card details that way. From the middle of this year, there will be additional protection, when Maestro insists upon 3D protection, which requires you to give a password to validate your card use, similar to the 'Verified by VISA' system, which is currently optional. The specific case that prompted the complaint was we making a small purchase, over the phone, from a small local retailer; I figured that they could benefit from the x% that a credit card would charge them. Sillyness on my part? Probably. Telephone orders have quite different rules from online sales. The retailer should be able to process the card with the number, the start date, the expiry date, the security code on the signature strip, your post code and house number. Colin Bignell |
Charge/debit card, no issue number? In Eire it's just LASER
In article . com,
"Gel" writes: Maestro virtually useless in Eire surprisingly though works in ATM's. Is that just Maestro, or all Mastercard products? -- Andrew Gabriel [email address is not usable -- followup in the newsgroup] |
Charge/debit card, no issue number?
On Feb 24, 4:48 pm, "nightjar" nightjar@insert my surname
here.uk.com wrote: wrote in message oups.com... My recently issued charge/debit card with a chip (Maestro) has no issue number. I is issued by Bank of Ireland (Northern Ireland), hence sterling and, AFAIK, normal UK rules apply. So, it cannot be used for online purchases. Older Switch / Maestro cards which had 18 or 19 digit numbers need an issue number. They are being replaced with cards that have 16 digit numbers, which do not have or need an issue number. I rang the bank to complain. They agreed that it had no issue number; they suggested that some online retailers would accept an order with issue number unspecified; others would accept '1'. Using an issue number with a 16 digit number card will result in the transaction being rejected. The bank person then went on to gibe me a short lecture on the folly of using a charge card online or for telephone order ... others could get access to your bank account, etc. ... Always use a credit card ... Better advice would be to only use online retailers who work through a secure third party card processor, such as Protx. The retailer never gets to see your card details that way. From the middle of this year, there will be additional protection, when Maestro insists upon 3D protection, which requires you to give a password to validate your card use, similar to the 'Verified by VISA' system, which is currently optional. The specific case that prompted the complaint was we making a small purchase, over the phone, from a small local retailer; I figured that they could benefit from the x% that a credit card would charge them. Sillyness on my part? Probably. Telephone orders have quite different rules from online sales. The retailer should be able to process the card with the number, the start date, the expiry date, the security code on the signature strip, your post code and house number. Okay, I see that my card does have a security code. My retailer confirmed my house number and post code, but whatever 'system' he was using still demanded an issue number -- just like in an attempted online purchase. But I accept that systems will be updated and that I should use a credit card. Many thanks, Jon C. |
Charge/debit card, no issue number? In Eire it's just LASER
On Feb 25, 8:31 am, (Andrew Gabriel)
wrote: In article . com, "Gel" writes: Maestro virtually useless in Eire surprisingly though works in ATM's. Is that just Maestro, or all Mastercard products? I'm pretty certain that Irish retailers accept only 'Laser' branded charge cards. I never thought deeply about it -- assuming it was yet another currency incompatibility issue. To be honest, my use of charge card has recently increased only because my credit card PIN doesn't easily spring to mind. I use the charge cards as ATM cards all the time and so know their PINs well. I live in N. Ireland (U.K.) but, for the past few years, earn my living in southern Ireland. For bank related matters we need two of everything (*), including bank accounts. And when I exchange Euro for £, the bank takes at least 2% ... grrr... (*) Except for rugby teams, gladly :) I would very much like Mr. Blair to join the Euro, but I doubt that this suggestion would find much favour in this n.g. Best regards, Jon C. |
Charge/debit card, no issue number?
On Sat, 24 Feb 2007, Broadback wrote:
As far as I know none of the credit/debit cards issued by banks and building societies have issue numbers. In fact if you look at the form to purchase on line they always point out that issue numbers are for switch cards only. au contraire... There is no such thing as Switch any more. The Switch brand was dropped in favour of Maestro a few years ago. I don't think there are any cards bearing the Switch logo which are still valid; online merchants are supposed to remove the Switch logo by June of this year at the latest. At least HSBC are currently using Maestro debit cards bearing issue numbers. Online transactions will not be authorised without this number. -- Alistair Riddell - BOFH Microsoft - because god hates us |
Charge/debit card, no issue number? In Eire it's just LASER
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Charge/debit card, no issue number?
wrote in message oups.com... On Feb 24, 4:48 pm, "nightjar" nightjar@insert my surname here.uk.com wrote: ..... Telephone orders have quite different rules from online sales. The retailer should be able to process the card with the number, the start date, the expiry date, the security code on the signature strip, your post code and house number. Okay, I see that my card does have a security code. My retailer confirmed my house number and post code, but whatever 'system' he was using still demanded an issue number -- just like in an attempted online purchase. But I accept that systems will be updated and that I should use a credit card. As I said, if your card has a 16 digit number, it does not need an issue number to work online. Neither should a telephoned order, although that may be a software issue. HSBC machines automatically check for updates every night, but the machine I had before that only updated card details automatically and needed to be logged on specifically to update its software. Having said that, there are cards that cannot be used for any customer not present transactions because of restrictions imposed by the issuing bank. Colin Bignell |
Charge/debit card, no issue number?
"Broadback" wrote in message ... .... As far as I know none of the credit/debit cards issued by banks and building societies have issue numbers. In fact if you look at the form to purchase on line they always point out that issue numbers are for switch cards only. Cards with 16 digit numbers do not have issue numbers. Cards with 18 or 19 digit numbers - Solo or some Switch/Maestro - do have an issue number. Colin Bignell |
Charge/debit card, no issue number?
In article , Helen Deborah
Vecht writes Are other UK bank charge cards like this? My RBS Maestro does not have an issue number either, but does have a 'valid from' date. My Gnat Wurst Maestro card has a security number and there is normally a box for this to be entered. I have used it for many successful online purchases. What's it like for transferring money to other accounts. Do you want to try it out? -- Roger Hunt |
Charge/debit card, no issue number? In Eire it's just LASER
On Feb 25, 11:38 am, Andy Hall wrote:
On 2007-02-25 10:14:36 +0000, said: If you are obtaining sterling in the north, have you thought about having that account on a different bank, not connected to the south one? They are different. I've found that for the opposite way around (i.e. obtaining Euros from an ATM in the Euro zone) depending on the bank used, the charges can be different, as can the time between when the ATM transaction is made and it hitting the account. This seems to be more effective if said bank is in a third country. If said account is interest bearing or topped up from an interest bearing account, this does at least offset some of the cost. I live in N. Ireland (U.K.) but, for the past few years, earn my living in southern Ireland. For bank related matters we need two of everything (*), including bank accounts. And when I exchange Euro for £, the bank takes at least 2% ... grrr... (*) Except for rugby teams, gladly :) Had you looked at putting major monthly expenditures in Euros? Yes. Mostly is except for rates, electricity, telecom related. For those, I typically lob a 1-2K Euro checque into my sterling account every few months; that costs me 2%. Some local retailers give a decent exchange rate; e.g. Sainsbury --- approx. current interbank rate, e.g. currently 65.9p per Euro, where a bank would give 65p. B&Q, presumably because they are suffering, and others, give 70p. Petrol is much cheaper in the south. On reflection, I may not have too much reason to grumble. I would very much like Mr. Blair to join the Euro, but I doubt that this suggestion would find much favour in this n.g. I'd very much like Mr. Blair to join the dole queue along with his finance minister, although that doesn't seem imminently likely either. :) I do a lot of traveling, and prior to the Euro, my record in a month was transactions in 11 different currencies. Nowadays it's typically 3 and I never bother to change Euros into sterling. As you say, though, there is a 2-3% hit for the transactions. It would be more convenient as well for business if the UK were in the Euro zone - however, each time I visit Brussels I am reminded as to why this would be a bad idea. In other countries that are outside the Euro zone but which have borders close to it and a migrant work population (e.g. Switzerland), businesses and stores close to the border tend to accept Euros, while those in France and Germany close to the Swiss border will accept Swiss francs. This is at slightly worse than the prevailing rate, but normally only about 1% from what I've seen. Yes, see above. I haven't visited Northern Ireland for a few years now, but is there not something similar, or are you too far from the border to make that intersting? Four miles from the border. Best regards, Jon C. |
Charge/debit card, no issue number?
Roger Hunt typed
In article , Helen Deborah Vecht writes Are other UK bank charge cards like this? My RBS Maestro does not have an issue number either, but does have a 'valid from' date. My Gnat Wurst Maestro card has a security number and there is normally a box for this to be entered. I have used it for many successful online purchases. What's it like for transferring money to other accounts. Do you want to try it out? No. I do not do any internet banking and use credit and debit cards for (mainly trivial) online purchases. -- Helen D. Vecht: Edgware. |
Charge/debit card, no issue number?
In article , Helen Deborah
Vecht writes No. I do not do any internet banking and use credit and debit cards for (mainly trivial) online purchases. Being able to buy little things from the other side of the Wurld, so easily, is a treat. The last thing here was Gold leaf from Thailand, which I could not resist. -- Roger Hunt |
Charge/debit card, no issue number?
Roger Hunt typed
In article , Helen Deborah Vecht writes No. I do not do any internet banking and use credit and debit cards for (mainly trivial) online purchases. Being able to buy little things from the other side of the Wurld, so easily, is a treat. The last thing here was Gold leaf from Thailand, which I could not resist. Buying just the right 'coin' type battery (of which the chap at Maplin had never heard) and getting it in the post 36 hours later was wonderful... -- Helen D. Vecht: Edgware. |
Charge/debit card, no issue number?
In article , Helen Deborah
Vecht writes Roger Hunt typed In article , Helen Deborah Vecht writes No. I do not do any internet banking and use credit and debit cards for (mainly trivial) online purchases. Being able to buy little things from the other side of the Wurld, so easily, is a treat. The last thing here was Gold leaf from Thailand, which I could not resist. Buying just the right 'coin' type battery (of which the chap at Maplin had never heard) and getting it in the post 36 hours later was wonderful... It is. And it is even better when the local post-droid is brilliant and I can warn him when something's due and I won't be in etc, so don't bother bringing the parcel out, I'll collect it, and so on. (I couldn't remember why I was subscribed here until I remembered that I'd already done the fix some time ago, with a bit of coat-hanger wire.) -- Roger Hunt |
Charge/debit card, no issue number?
On 2007-02-25 20:32:46 +0000, Owain said:
Helen Deborah Vecht wrote: Roger Hunt typed Being able to buy little things from the other side of the Wurld, so easily, is a treat. It's difficult to remember what life was like Before Internet Buying just the right 'coin' type battery (of which the chap at Maplin had never heard) and getting it in the post 36 hours later was wonderful... I used to think posting an order to Maplin on Monday and getting the goods on Friday or Saturday was wonderful... It has certainly had the effect in many cases of improving customers' expectations of service and suppliers having to do something in order to compete. Considering the traditional UK apathy to good service, this is long overdue. The bricks and mortare retailers are really trading on the borrowed time of people coming up to speed with using computers and the internet and their expectations taking time to change. Give it another 10 years, and I expect that we will have seen a huge shake up in the retail and service industries. |
Charge/debit card, no issue number?
Owain typed
Helen Deborah Vecht wrote: Roger Hunt typed Being able to buy little things from the other side of the Wurld, so easily, is a treat. It's difficult to remember what life was like Before Internet Buying just the right 'coin' type battery (of which the chap at Maplin had never heard) and getting it in the post 36 hours later was wonderful... I used to think posting an order to Maplin on Monday and getting the goods on Friday or Saturday was wonderful... Owain I remember that. Maplin has a shop which I can reach in less than 10 minutes on my cripmobile (which has a maximum speed of 4mph). Their website is good for checking if the item I want is in stock before I venture out though. -- Helen D. Vecht: Edgware. |
Charge/debit card, no issue number?
On 2007-02-25 22:09:36 +0000, Helen Deborah Vecht
said: I remember that. Maplin has a shop which I can reach in less than 10 minutes on my cripmobile (which has a maximum speed of 4mph). Their website is good for checking if the item I want is in stock before I venture out though. You could always get one of their orange flashing lights and pretend it's one of the 8mph ones..... :-) |
Charge/debit card, no issue number?
On Feb 25, 10:24 am, Alistair Riddell wrote:
On Sat, 24 Feb 2007, Broadback wrote: As far as I know none of the credit/debit cards issued by banks and building societies have issue numbers. In fact if you look at the form to purchase on line they always point out that issue numbers are for switch cards only. au contraire... There is no such thing as Switch any more. The Switch brand was dropped in favour of Maestro a few years ago. I don't think there are any cards bearing the Switch logo which are still valid; online merchants are supposed to remove the Switch logo by June of this year at the latest. At least HSBC are currently using Maestro debit cards bearing issue numbers. Online transactions will not be authorised without this number. Rubbish! I used my virgin One Maestro card only yesterday and there was no issue (number or problem). I have *never* had a card with an issue number and it has *never* caused a problem. MBQ |
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