I had a single Barclay (mastercard) credit card that expired. I have no
other Barclay bank or credit card accounts.

Barclay have replaced the credit card with TWO cards. One is a Visa
(credit) card and the other is an American Express card. I can use
either on the single CC account and can share a common PIN.

Recently, to increase security, they have sent me:
i) A telephone banking card and associated 4 digit PIN.
ii) An on-line banking 'authentication' card with chip and a 5 digit
PIN for use with a card reader that they haven't sent.


So, for one account I now have 4 cards, 4 different card numbers, 3/4
pins and 3 different phone numbers as contact numbers for each of the cards.

What was wrong with one card, one pin, one phone number? Why a second
card with a different number and different chip/PIN to access the
on-line account of the first card?

I suspect that I will not be able to report a stolen CC without having
my telephone card, ringing the appropriate number, entering my 12 digit
membership number on the phone keypad and verifying it with my PIN.

They advise that I don't write down the pins or keep the PINs with cards.

--
mailto:news{at}admac(dot}myzen{dot}co{dot}uk

alan scribbled...


I had a single Barclay (mastercard) credit card that expired. I have no
other Barclay bank or credit card accounts.

Barclay have replaced the credit card with TWO cards. One is a Visa
(credit) card and the other is an American Express card. I can use
either on the single CC account and can share a common PIN.

Recently, to increase security, they have sent me:
i) A telephone banking card and associated 4 digit PIN.
ii) An on-line banking 'authentication' card with chip and a 5 digit
PIN for use with a card reader that they haven't sent.


So, for one account I now have 4 cards, 4 different card numbers, 3/4
pins and 3 different phone numbers as contact numbers for each of the cards.

What was wrong with one card, one pin, one phone number? Why a second
card with a different number and different chip/PIN to access the
on-line account of the first card?

I suspect that I will not be able to report a stolen CC without having
my telephone card, ringing the appropriate number, entering my 12 digit
membership number on the phone keypad and verifying it with my PIN.

They advise that I don't write down the pins or keep the PINs with cards.


You need to dump that American Express card. They charge to use it and
not every business will accept it. Don't just cut it up, phone Barclays
and tell them you don't want it and threaten to change banks.

In article sting.com,
Jabba writes:
alan scribbled...


I had a single Barclay (mastercard) credit card that expired. I have no
other Barclay bank or credit card accounts.

Barclay have replaced the credit card with TWO cards. One is a Visa
(credit) card and the other is an American Express card. I can use
either on the single CC account and can share a common PIN.

Recently, to increase security, they have sent me:
i) A telephone banking card and associated 4 digit PIN.
ii) An on-line banking 'authentication' card with chip and a 5 digit
PIN for use with a card reader that they haven't sent.


So, for one account I now have 4 cards, 4 different card numbers, 3/4
pins and 3 different phone numbers as contact numbers for each of the cards.

What was wrong with one card, one pin, one phone number? Why a second
card with a different number and different chip/PIN to access the
on-line account of the first card?

I suspect that I will not be able to report a stolen CC without having
my telephone card, ringing the appropriate number, entering my 12 digit
membership number on the phone keypad and verifying it with my PIN.

They advise that I don't write down the pins or keep the PINs with cards.

You need to dump that American Express card. They charge to use it and
not every business will accept it. Don't just cut it up, phone Barclays
and tell them you don't want it and threaten to change banks.

Didn't know Barclays and AMEX had any relationship.

If you work for a US company, you may well be required to put
all expenses on your company AMEX card. That often costs an extra
surcharge, and can mean it's too much hassle to use suppliers which
don't take it, such as some budget airlines. There's no charge for
a company AMEX (at least, not with 1000's of employees), and the
company gets some equivalent of cash-back for its use, which is
why it's popular with large companies.

--
Andrew Gabriel
[email address is not usable -- followup in the newsgroup]

On 01/07/2014 22:11, alan wrote:

I had a single Barclay (mastercard) credit card that expired. I have no
other Barclay bank or credit card accounts.


[snip]

I had similar thing. Had an old Egg card which became Barclays
Mastercard (I already had Barclays Visa card). They then wanted to
change the Barclays Mastercard into 2 cards (one of which was an Amex).
Fortunately, I read the letter advising of the change and cancelled
the Barclays Mastercard. About 6 months after that, they sent me a
letter that they were sending me an updated Amex: "left", "hand" & "right"?

Malcolm G scribbled...


On 01/07/2014 22:48, Jabba wrote:

You need to dump that American Express card. They charge to use it and
not every business will accept it. Don't just cut it up, phone Barclays
and tell them you don't want it and threaten to change banks.

I am a bit confused by this statement - I had a similar pair of cards
from barclays recently (both labelled barclaycard) are you saying the
retillers charge you to use it or barclays charge you to use it?

(The barclays leaflet I got claimed no annual charges from them, just a
higher rate of cashback)


I was sent an AE card by my bank - not recently - and there was a
monthly charge to us it, so I binned it.

On Tue, 1 Jul 2014 22:48:19 +0100, Jabba wrote:

alan scribbled...


I had a single Barclay (mastercard) credit card that expired. I have no
other Barclay bank or credit card accounts.

Barclay have replaced the credit card with TWO cards. One is a Visa
(credit) card and the other is an American Express card. I can use
either on the single CC account and can share a common PIN.

Recently, to increase security, they have sent me:
i) A telephone banking card and associated 4 digit PIN.
ii) An on-line banking 'authentication' card with chip and a 5 digit
PIN for use with a card reader that they haven't sent.


So, for one account I now have 4 cards, 4 different card numbers, 3/4
pins and 3 different phone numbers as contact numbers for each of the cards.

What was wrong with one card, one pin, one phone number? Why a second
card with a different number and different chip/PIN to access the
on-line account of the first card?

I suspect that I will not be able to report a stolen CC without having
my telephone card, ringing the appropriate number, entering my 12 digit
membership number on the phone keypad and verifying it with my PIN.

They advise that I don't write down the pins or keep the PINs with cards.


You need to dump that American Express card. They charge to use it and
not every business will accept it. Don't just cut it up, phone Barclays
and tell them you don't want it and threaten to change banks.

I'd recommend actually changing banks. With FD I have one (debit)
card and a "secure key" for Internet banking. IIRC there's also a
password for telephone banking, although I don't use this.

--
(\__/) M.
(='.'=) If a man stands in a forest and no woman is around
(")_(") is he still wrong?

On 01/07/2014 22:48 Jabba wrote:

You need to dump that American Express card. They charge to use it and
not every business will accept it. Don't just cut it up, phone Barclays
and tell them you don't want it and threaten to change banks.

Barclays are presenting the change as an 'improvement'. Except, as
usual, it's not. The card they cancelled had 1% cashback. Now, the Amex
has 1% but, as you say, isn't as widely accepted, and the second card
has only 0.5% cashback.

--
F

On Wednesday, July 2, 2014 9:35:00 AM UTC+1, Allan wrote:

I had similar thing. Had an old Egg card which became Barclays
Mastercard (I already had Barclays Visa card). They then wanted to
change the Barclays Mastercard into 2 cards (one of which was an Amex).
Fortunately, I read the letter advising of the change and cancelled
the Barclays Mastercard. About 6 months after that, they sent me a
letter that they were sending me an updated Amex: "left", "hand" & "right"?

It surprised me recently how incompetent some banks seem to really be. How those expect to survive in a capitalist economy I've really no idea.


NT

On Wed, 02 Jul 2014 10:30:06 +0100, F news@nowhere wrote:

On 01/07/2014 22:48 Jabba wrote:

You need to dump that American Express card. They charge to use it and
not every business will accept it. Don't just cut it up, phone Barclays
and tell them you don't want it and threaten to change banks.

Barclays are presenting the change as an 'improvement'. Except, as
usual, it's not.

Just like governments & councils presenting cut backs.
--
(\__/) M.
(='.'=) If a man stands in a forest and no woman is around
(")_(") is he still wrong?

On 02/07/2014 10:30, F wrote:
Barclays are presenting the change as an 'improvement'. Except, as
usual, it's not. The card they cancelled had 1% cashback. Now, the Amex
has 1% but, as you say, isn't as widely accepted, and the second card
has only 0.5% cashback.

That seems pretty normal for cashback. Because the Amex fees to the
retailer are higher, cashback at that level is sustainable. Outside of
promotions, I think 1% cashback on Visa/Mastercard is rare. See:

http://www.money.co.uk/credit-cards/...edit-cards.htm

But you can do better than 1% cashback on an Amex though. Much, much
better if you use it a lot and want to pay a fee to get an increased pay
out.

Jon

On 02/07/2014 10:04, Mark wrote:

I'd recommend actually changing banks. With FD I have one (debit)
card and a "secure key" for Internet banking. IIRC there's also a
password for telephone banking, although I don't use this.


Although even they are worse than they were. I have one password for
telephone banking. Good. Another one for online banking if I don't use
an external authentication device. Then another one for use with my
phone to generate an unique number to log onto Internet banking.

But to get onto Internet banking I also need to answer a memorable
question. But when they changed to external authentication they changed
the question that they use. It now asks for the name of my first
employer. But that is long and so prone to mistyping when one cannot see
what one is typing because they just display asterisks. They suggested
that I change it to my fathers middle name. So far so good but when I
try to enter that I get told that my father's middle name must contain
at least six characters and contain letters and/or numbers. I don't
think my grandparents thought about that when they christened him.

So to log onto Internet banking I have to enter my first employers name
in the right format. Then enter a password into my phone. Then copy the
six digit number from my phone into the log on screen. Not as simple as
the enter the first, third and penultimate character from you password
that they used to use.

On 02/07/2014 11:01, wrote:
On Wednesday, July 2, 2014 9:35:00 AM UTC+1, Allan wrote:

I had similar thing. Had an old Egg card which became Barclays
Mastercard (I already had Barclays Visa card). They then wanted to
change the Barclays Mastercard into 2 cards (one of which was an Amex).
Fortunately, I read the letter advising of the change and cancelled
the Barclays Mastercard. About 6 months after that, they sent me a
letter that they were sending me an updated Amex: "left", "hand" & "right"?

It surprised me recently how incompetent some banks seem to really be. How those expect to survive in a capitalist economy I've really no idea.


Indeed. A year or two ago I had an Indian voice on the phone saying that
there was an unusual transaction on my Barclaycard and asking me for
verification data. I did not respond. There was a card holder not
present transaction which had no doubt lead to this phone call.

Now I just get a phone call telling me about the transaction so that I
can query it if I want.

--
Michael Chare

On Wed, 2 Jul 2014 08:30:28 +0000 (UTC)
(Andrew Gabriel) wrote:

If you work for a US company, you may well be required to put
all expenses on your company AMEX card. That often costs an extra
surcharge, and can mean it's too much hassle to use suppliers which
don't take it, such as some budget airlines. There's no charge for
a company AMEX (at least, not with 1000's of employees), and the
company gets some equivalent of cash-back for its use, which is
why it's popular with large companies.

They tried that with us when I worked there. For many of us, it meant
that we lost the Frequent Flyer mileages we accrued if we used our own
cards, and we just refused to use the Amex cards. When they did a big
bob-boo in someone's accounting, it gave us the leverage to stay with
our own cards.

--
Davey.

On 02/07/2014 10:30, F wrote:
On 01/07/2014 22:48 Jabba wrote:

You need to dump that American Express card. They charge to use it and
not every business will accept it. Don't just cut it up, phone Barclays
and tell them you don't want it and threaten to change banks.

Barclays are presenting the change as an 'improvement'. Except, as
usual, it's not. The card they cancelled had 1% cashback. Now, the Amex
has 1% but, as you say, isn't as widely accepted, and the second card
has only 0.5% cashback.

Yerss. They've just "improved" my overdraft facility. Instead of
charging 19% or so APR, calculated daily, they've started charging a
fixed fee of £0.75 per day. That's for any amount between £15 and £1015.
So if I dip into the overdraft by £16 for a month, they will charge me
£20 or so in interest.

Then, they had the cheek to tell me to get in touch with them for advice
on how to reduce the amount I pay them per month. Apparently, going back
to the old system isn't an available option.

--
Tciao for Now!

John.

Mark wrote:

I'd recommend actually changing banks.

Make sure it's not to one that phones up and leaves an answerphone
message where they accidentally call you a knob!

http://metro.co.uk/2014/07/01/natwest-4782510

On Wed, 02 Jul 2014 11:47:06 +0100, Andrew May
wrote:

On 02/07/2014 10:04, Mark wrote:

I'd recommend actually changing banks. With FD I have one (debit)
card and a "secure key" for Internet banking. IIRC there's also a
password for telephone banking, although I don't use this.


Although even they are worse than they were. I have one password for
telephone banking. Good. Another one for online banking if I don't use
an external authentication device. Then another one for use with my
phone to generate an unique number to log onto Internet banking.

But to get onto Internet banking I also need to answer a memorable
question. But when they changed to external authentication they changed
the question that they use. It now asks for the name of my first
employer. But that is long and so prone to mistyping when one cannot see
what one is typing because they just display asterisks. They suggested
that I change it to my fathers middle name. So far so good but when I
try to enter that I get told that my father's middle name must contain
at least six characters and contain letters and/or numbers. I don't
think my grandparents thought about that when they christened him.

The dreaded "memorable data". I wish they'd all abandon such stupid
measures. IMHO if it's 'memorable' then it's also guessable, in
addition to the issues you describe. I treat such fields like
passwords and make up something.

So to log onto Internet banking I have to enter my first employers name
in the right format. Then enter a password into my phone. Then copy the
six digit number from my phone into the log on screen. Not as simple as
the enter the first, third and penultimate character from you password
that they used to use.

And the number you first thought of .....
--
(\__/) M.
(='.'=) If a man stands in a forest and no woman is around
(")_(") is he still wrong?

In article , alan
writes

I had a single Barclay (mastercard) credit card th

Who cares? This has **** all to do with uk.d-i-y. Don't be so lazy,
find a more appropriate group for your off-topic whinge.

--
(\_/)
(='.'=)
(")_(")

On Wed, 02 Jul 2014 12:28:18 +0100, Andy Burns
wrote:

Mark wrote:

I'd recommend actually changing banks.

Make sure it's not to one that phones up and leaves an answerphone
message where they accidentally call you a knob!

http://metro.co.uk/2014/07/01/natwest-4782510

"404"
--
(\__/) M.
(='.'=) If a man stands in a forest and no woman is around
(")_(") is he still wrong?

On 02/07/2014 09:54, Jabba wrote:
Malcolm G scribbled...


On 01/07/2014 22:48, Jabba wrote:

You need to dump that American Express card. They charge to use it and
not every business will accept it. Don't just cut it up, phone Barclays
and tell them you don't want it and threaten to change banks.

I am a bit confused by this statement - I had a similar pair of cards
from barclays recently (both labelled barclaycard) are you saying the
retillers charge you to use it or barclays charge you to use it?

(The barclays leaflet I got claimed no annual charges from them, just a
higher rate of cashback)


I was sent an AE card by my bank - not recently - and there was a
monthly charge to us it, so I binned it.


Which sort though? There are more than a dozen AmEx cards, with
different charging methods, including conventional credit cards up to
the Centurion, invitation only, card at £1,800 pa.

--
Colin Bignell

On 01/07/2014 22:34, Tim Streater wrote:
In article , alan
wrote:

I had a single Barclay (mastercard) credit card that expired. I have
no other Barclay bank or credit card accounts.

Barclay have replaced the credit card with TWO cards. One is a Visa
(credit) card and the other is an American Express card. I can use
either on the single CC account and can share a common PIN.

Recently, to increase security, they have sent me:
i) A telephone banking card and associated 4 digit PIN.

What is telephone banking? Do you fax each other banknotes or something?

You obviously haven't phoned a bank or utility company for some very
long time. These days you get connected to a dalek and if you cannot
answer all questions with your numeric keypad will be exterminated.

You can only get through to a human in a sensible amount of time by
pretending to be "new business". Bank customer service - What's that?

--
Regards,
Martin Brown

On Wed, 02 Jul 2014 13:32:36 +0100, Martin Brown
wrote:

On 01/07/2014 22:34, Tim Streater wrote:
In article , alan
wrote:

I had a single Barclay (mastercard) credit card that expired. I have
no other Barclay bank or credit card accounts.

Barclay have replaced the credit card with TWO cards. One is a Visa
(credit) card and the other is an American Express card. I can use
either on the single CC account and can share a common PIN.

Recently, to increase security, they have sent me:
i) A telephone banking card and associated 4 digit PIN.

What is telephone banking? Do you fax each other banknotes or something?

You obviously haven't phoned a bank or utility company for some very
long time. These days you get connected to a dalek and if you cannot
answer all questions with your numeric keypad will be exterminated.

True for most banks/businesses but FirstDirect actually employ humans.
I've spoken to a few of them.

--
(\__/) M.
(='.'=) If a man stands in a forest and no woman is around
(")_(") is he still wrong?

Mark wrote:

Andy Burns wrote:

http://metro.co.uk/2014/07/01/natwest-4782510

"404"

The URL didn't seem to object to being shortened when I checked before
posting, but probably relied on session cookies or something ...

http://metro.co.uk/2014/07/01/natwest-customer-called-kb-by-manager-who-forgot-to-hang-up-4782510/

On Tuesday, July 1, 2014 10:48:19 PM UTC+1, Jabba wrote:
alan scribbled...





I had a single Barclay (mastercard) credit card that expired. I have no

other Barclay bank or credit card accounts.



Barclay have replaced the credit card with TWO cards. One is a Visa

(credit) card and the other is an American Express card. I can use

either on the single CC account and can share a common PIN.



Recently, to increase security, they have sent me:

i) A telephone banking card and associated 4 digit PIN.

ii) An on-line banking 'authentication' card with chip and a 5 digit

PIN for use with a card reader that they haven't sent.





So, for one account I now have 4 cards, 4 different card numbers, 3/4

pins and 3 different phone numbers as contact numbers for each of the cards.



What was wrong with one card, one pin, one phone number? Why a second

card with a different number and different chip/PIN to access the

on-line account of the first card?



I suspect that I will not be able to report a stolen CC without having

my telephone card, ringing the appropriate number, entering my 12 digit

membership number on the phone keypad and verifying it with my PIN.



They advise that I don't write down the pins or keep the PINs with cards.





You need to dump that American Express card. They charge to use it and

not every business will accept it. Don't just cut it up, phone Barclays

and tell them you don't want it and threaten to change banks.

Like you think Barclays give a fiddlers flute whether they lose a customer or not

Andy Burns wrote:

The URL didn't seem to object to being shortened when I checked before
posting, but probably relied on session cookies or something ...

Seems it just needs the trailing slash, so in case the long version wrapped

http://metro.co.uk/2014/07/01/knobwest-4782510/

On Wed, 02 Jul 2014 11:47:06 +0100, Andrew May wrote:

But to get onto Internet banking I also need to answer a memorable
question. But when they changed to external authentication they changed
the question that they use. It now asks for the name of my first
employer. But that is long and so prone to mistyping when one cannot see
what one is typing because they just display asterisks.

The answer to any of those security questions doesn't *have* to be
correct. B-)

--
Cheers
Dave.

On 02/07/2014 10:35, Huge wrote:
On 2014-07-02, Mark wrote:
On Tue, 1 Jul 2014 22:48:19 +0100, Jabba wrote:

alan scribbled...



[23 lines snipped]

They advise that I don't write down the pins or keep the PINs with cards.


You need to dump that American Express card. They charge to use it and
not every business will accept it. Don't just cut it up, phone Barclays
and tell them you don't want it and threaten to change banks.

Instructing them to cancel an Amex card is sensible unless you want to
be stung for their various monthly charges (or are obliged to have one
for work). That doesn't work well these days as many restaurants make a
point of not accepting Amex because of their high merchant charges.

I'd recommend actually changing banks. With FD I have one (debit)
card and a "secure key" for Internet banking. IIRC there's also a
password for telephone banking, although I don't use this.


Barclays have gone mad. My wife, who has several accounts with them has
received a "Here is your new Internet banking card(*)" letter with no card
attached and a "welcome to telephone banking" PIN mailer, even though she
already has telephone banking.

(* To allow users who have no debit card to use the card reader required
for Internet banking.)

You have to a be a little wary of new PINs or cards arriving
unexpectedly - there is a scam doing the rounds where people with a mail
box at the end of their drive have been targeted by thieves who request
new cards using the genuine owners details and then follow the mail van
around picking them up from unsecured mailboxes.

It has happened a few times now in a neighbouring village.

I'll agree that Barclaycard security is screwy though.
The "best" unanswerable security question I ever got asked was:
"Name the hotel where you stayed in Chester last November?"

We answered that we hadn't been to Chester for more than a decade.

They didn't like that answer. Consulting our statements later we found
the correct answer was "Lumley Castle" in Chester-le-Street, County
Durham. Unfortunately the critical "le-street" was truncated.

Next one was name a street that connects to your road. Answer A19
(they didn't like that either) No road names at all where I live. It
took the best part of an hour to convince the droid we were genuine!

The unusually large purchase was the final instalment of a fitted
kitchen to be installed at the cardholders address! The deposit to the
vendor had also come off the same card two months earlier...

--
Regards,
Martin Brown

On 02/07/2014 13:32, Martin Brown wrote:
....
You obviously haven't phoned a bank or utility company for some very
long time. These days you get connected to a dalek and if you cannot
answer all questions with your numeric keypad will be exterminated.

You can only get through to a human in a sensible amount of time by
pretending to be "new business". Bank customer service - What's that?

Depends upon your bank and type of account. I have a personal banker and
a mobile number I can contact her on at almost any time.

--
Colin Bignell

On 02/07/2014 13:46, Dave Liquorice wrote:
On Wed, 02 Jul 2014 11:47:06 +0100, Andrew May wrote:

But to get onto Internet banking I also need to answer a memorable
question. But when they changed to external authentication they changed
the question that they use. It now asks for the name of my first
employer. But that is long and so prone to mistyping when one cannot see
what one is typing because they just display asterisks.

The answer to any of those security questions doesn't *have* to be
correct. B-)

But if it is not correct then it becomes yet one more 'password' to
remember or to compromise security by writing down.

On Wed, 02 Jul 2014 13:38:24 +0100, Andy Burns
wrote:

Mark wrote:

Andy Burns wrote:

http://metro.co.uk/2014/07/01/natwest-4782510

"404"

The URL didn't seem to object to being shortened when I checked before
posting, but probably relied on session cookies or something ...

http://metro.co.uk/2014/07/01/natwest-customer-called-kb-by-manager-who-forgot-to-hang-up-4782510/

I suspect a nice fat compensation cheque will soon be on it's way to
that customer.
--
(\__/) M.
(='.'=) If a man stands in a forest and no woman is around
(")_(") is he still wrong?

On 02/07/2014 13:37, Mark wrote:
On Wed, 02 Jul 2014 13:32:36 +0100, Martin Brown
wrote:

On 01/07/2014 22:34, Tim Streater wrote:
In article , alan
wrote:

I had a single Barclay (mastercard) credit card that expired. I have
no other Barclay bank or credit card accounts.

Barclay have replaced the credit card with TWO cards. One is a Visa
(credit) card and the other is an American Express card. I can use
either on the single CC account and can share a common PIN.

Recently, to increase security, they have sent me:
i) A telephone banking card and associated 4 digit PIN.

What is telephone banking? Do you fax each other banknotes or something?

You obviously haven't phoned a bank or utility company for some very
long time. These days you get connected to a dalek and if you cannot
answer all questions with your numeric keypad will be exterminated.

True for most banks/businesses but FirstDirect actually employ humans.
I've spoken to a few of them.

The 'problem' with First Direct is that occasionally they are busy and
don't answer within the first two rings. I then end up hanging up
because I assume that I have rung the wrong number.

"Nightjar \"cpb\"@" "insert my surname here scribbled...


On 02/07/2014 09:54, Jabba wrote:
Malcolm G scribbled...


On 01/07/2014 22:48, Jabba wrote:

You need to dump that American Express card. They charge to use it and
not every business will accept it. Don't just cut it up, phone Barclays
and tell them you don't want it and threaten to change banks.

I am a bit confused by this statement - I had a similar pair of cards
from barclays recently (both labelled barclaycard) are you saying the
retillers charge you to use it or barclays charge you to use it?

(The barclays leaflet I got claimed no annual charges from them, just a
higher rate of cashback)


I was sent an AE card by my bank - not recently - and there was a
monthly charge to us it, so I binned it.


Which sort though? There are more than a dozen AmEx cards, with
different charging methods, including conventional credit cards up to
the Centurion, invitation only, card at £1,800 pa.


It certainly wasn't that one.

Andy Burns scribbled...


Mark wrote:

I'd recommend actually changing banks.

Make sure it's not to one that phones up and leaves an answerphone
message where they accidentally call you a knob!

http://metro.co.uk/2014/07/01/natwest-4782510


From what I've read, he is a knob.

In article ,
Martin Brown wrote:
On 01/07/2014 22:34, Tim Streater wrote:
In article , alan
wrote:

I had a single Barclay (mastercard) credit card that expired. I have
no other Barclay bank or credit card accounts.

Barclay have replaced the credit card with TWO cards. One is a Visa
(credit) card and the other is an American Express card. I can use
either on the single CC account and can share a common PIN.

Recently, to increase security, they have sent me:
i) A telephone banking card and associated 4 digit PIN.

What is telephone banking? Do you fax each other banknotes or something?

You obviously haven't phoned a bank or utility company for some very
long time. These days you get connected to a dalek and if you cannot
answer all questions with your numeric keypad will be exterminated.

You can only get through to a human in a sensible amount of time by
pretending to be "new business". Bank customer service - What's that?

I have managed to talk to Barclay Business Centre and to find someone
sensible at the other end of the phone. It seems to be the next layer up
that can't cope.

--
From KT24

Using a RISC OS computer running v5.18

On 02/07/2014 17:54, Huge wrote:
On 2014-07-02, Nightjar "cpb"@ "insert my surname here wrote:
On 02/07/2014 13:32, Martin Brown wrote:
...
You obviously haven't phoned a bank or utility company for some very
long time. These days you get connected to a dalek and if you cannot
answer all questions with your numeric keypad will be exterminated.

You can only get through to a human in a sensible amount of time by
pretending to be "new business". Bank customer service - What's that?

Depends upon your bank and type of account. I have a personal banker and
a mobile number I can contact her on at almost any time.

And how many 10's of thousands of pounds do you have with that bank?


Obviously, there are reasons why different customers get different
levels of service. ;-)

--
Colin Bignell

bit like First Direct but with less questions asked then ;-)

http://citywire.co.uk/new-model-advi...ilings/a577563

On 02/07/2014 09:38, Malcolm G wrote:
On 01/07/2014 22:48, Jabba wrote:

You need to dump that American Express card. They charge to use it and
not every business will accept it. Don't just cut it up, phone Barclays
and tell them you don't want it and threaten to change banks.

I am a bit confused by this statement - I had a similar pair of cards
from barclays recently (both labelled barclaycard) are you saying the
retillers charge you to use it or barclays charge you to use it?

(The barclays leaflet I got claimed no annual charges from them, just a
higher rate of cashback)




The Visa card offers a 0.5% cash back and the AMEX card a 1% cash back.
There is no charge for either card for the customer however you will
find that the AMEX card isn't accepted in many retail outlets.

--
mailto:news{at}admac(dot}myzen{dot}co{dot}uk

"Mark" wrote in message
...
On Wed, 02 Jul 2014 11:47:06 +0100, Andrew May
wrote:

On 02/07/2014 10:04, Mark wrote:

I'd recommend actually changing banks. With FD I have one (debit)
card and a "secure key" for Internet banking. IIRC there's also a
password for telephone banking, although I don't use this.


Although even they are worse than they were. I have one password for
telephone banking. Good. Another one for online banking if I don't use
an external authentication device. Then another one for use with my
phone to generate an unique number to log onto Internet banking.

But to get onto Internet banking I also need to answer a memorable
question. But when they changed to external authentication they changed
the question that they use. It now asks for the name of my first
employer. But that is long and so prone to mistyping when one cannot see
what one is typing because they just display asterisks. They suggested
that I change it to my fathers middle name. So far so good but when I
try to enter that I get told that my father's middle name must contain
at least six characters and contain letters and/or numbers. I don't
think my grandparents thought about that when they christened him.

The dreaded "memorable data". I wish they'd all abandon such
stupid measures. IMHO if it's 'memorable' then it's also guessable,

Not necessarily with the first car you owned
or your first employer or first school etc.

in addition to the issues you describe. I treat such
fields like passwords and make up something.

But that approach has other problems, you have to record what
you made up so you can get it right when it asks for it later. And
that has to be available on all the devices you use that service on.

So to log onto Internet banking I have to enter my first employers name
in the right format. Then enter a password into my phone. Then copy the
six digit number from my phone into the log on screen. Not as simple as
the enter the first, third and penultimate character from you password
that they used to use.

And the number you first thought of .....

On Wed, 02 Jul 2014 13:59:40 +0100, "Nightjar \"cpb\"@" "insert my
surname here wrote:

On 02/07/2014 13:32, Martin Brown wrote:
...
You obviously haven't phoned a bank or utility company for some very
long time. These days you get connected to a dalek and if you cannot
answer all questions with your numeric keypad will be exterminated.

You can only get through to a human in a sensible amount of time by
pretending to be "new business". Bank customer service - What's that?

Depends upon your bank and type of account. I have a personal banker and
a mobile number I can contact her on at almost any time.

Is her name Mrs. Drysdale?

--

Graham.

%Profound_observation%

"Martin Brown" wrote in message
...
On 02/07/2014 10:35, Huge wrote:
On 2014-07-02, Mark wrote:
On Tue, 1 Jul 2014 22:48:19 +0100, Jabba wrote:

alan scribbled...



[23 lines snipped]

They advise that I don't write down the pins or keep the PINs with
cards.


You need to dump that American Express card. They charge to use it and
not every business will accept it. Don't just cut it up, phone
Barclays
and tell them you don't want it and threaten to change banks.

Instructing them to cancel an Amex card is sensible unless you want to be
stung for their various monthly charges (or are obliged to have one for
work). That doesn't work well these days as many restaurants make a point
of not accepting Amex because of their high merchant charges.

I'd recommend actually changing banks. With FD I have one (debit)
card and a "secure key" for Internet banking. IIRC there's also a
password for telephone banking, although I don't use this.


Barclays have gone mad. My wife, who has several accounts with them has
received a "Here is your new Internet banking card(*)" letter with no
card
attached and a "welcome to telephone banking" PIN mailer, even though she
already has telephone banking.

(* To allow users who have no debit card to use the card reader required
for Internet banking.)

You have to a be a little wary of new PINs or cards arriving
unexpectedly - there is a scam doing the rounds where people with a mail
box at the end of their drive have been targeted by thieves who request
new cards using the genuine owners details and then follow the mail van
around picking them up from unsecured mailboxes.

It has happened a few times now in a neighbouring village.

I'll agree that Barclaycard security is screwy though.
The "best" unanswerable security question I ever got asked was:
"Name the hotel where you stayed in Chester last November?"

We answered that we hadn't been to Chester for more than a decade.

They didn't like that answer. Consulting our statements later we found the
correct answer was "Lumley Castle" in Chester-le-Street, County Durham.
Unfortunately the critical "le-street" was truncated.

Next one was name a street that connects to your road. Answer A19
(they didn't like that either) No road names at all where I live. It took
the best part of an hour to convince the droid we were genuine!

And so would have burnt off the merchant charge rather comprehensively.

The unusually large purchase was the final instalment of a fitted kitchen
to be installed at the cardholders address! The deposit to the vendor had
also come off the same card two months earlier...

"Andrew May" wrote in message
...
On 02/07/2014 13:46, Dave Liquorice wrote:
On Wed, 02 Jul 2014 11:47:06 +0100, Andrew May wrote:

But to get onto Internet banking I also need to answer a memorable
question. But when they changed to external authentication they changed
the question that they use. It now asks for the name of my first
employer. But that is long and so prone to mistyping when one cannot see
what one is typing because they just display asterisks.

The answer to any of those security questions doesn't *have* to be
correct. B-)

But if it is not correct then it becomes yet one more 'password' to
remember or to compromise security by writing down.

Not if you always use the same made up answer for that
particular question on every site that question appears on.