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Michael Murphy | https://murfy.nz
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richms:
I'm just reminded of the time that I went to use my gem visa in store once and it didn't work because they decided that it needed to be turned off and the website and the app said nothing to me about that and I didn't hear from them till I submitted a request that my card was faulty. I had to end up paying for something on 4 other cards that time which was embarrassing when I could see in the app that I had crap-loads available to pay for it.
I've experienced that too but did have a message asking if a transaction was indeed me. Once I replied with yes the card was instantly unblocked.
I don't like that banks and other places try to pass their insecurities onto me to deal with, and in the process claim that it is for my protection. No, it is for their protection because I am protected with the terms that say that I am protected.
Not quite... there are situations where you'll want edgy fraud protection to take care of it. It can also take time for a dispute to go through - what if somebody's debit card got stolen, used to the point the account was drained and this was the only money that person had? Those people don't have the funds to tie them over while a fraud investigation goes through in order to give them their money back. Fees and interest also pay for fraud and fraud is on the rise. If banks didn't invest in fraud protection then your fees will go up to cover it.
Now it seems that with most of my cards every time I go to use them online they are bothering me with annoying checks like legacy SMS when they have a perfectly good app that runs on all my devices, or else other intrusive things. And it seems if you don't complete their random crap while ordering lunch online when you dont have your phone so cant get the code they sent without asking, then they will not allow saved card places to process till you try it again and complete their security charade.
Not sure who you bank with but ANZ are using their app for these things and from what I understand many more notifications will start to go via the app soon:
I'm honestly not sure about your other statement as I've never experienced any of these problems with ANZ, ASB and BNZ...
Bank security is always going to be there. It seems your problems stem from not having your phone on you at all times but unfortunately everything is becoming more reliant on them.
Michael Murphy | https://murfy.nz
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Opinions are my own and not the views of my employer.
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Michael Murphy | https://murfy.nz
Referral Links: Quic Broadband (use R122101E7CV7Q for free setup)
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Opinions are my own and not the views of my employer.
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