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tardtasticx

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#154267 22-Oct-2014 18:43
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Got a letter in the mail from ASB today saying they're replacing my MasterCard with a Visa. Not a huge deal and I don't understand enough about these systems to cast judgement on it, I'm sure they have very good reasons.

I do like ASB, they're a great bank for me. But I don't really want to go around changing all my details at the places that have my old card on file. Thats my main annoyance.

Does anyone know a bit more about the changeover? It says on the letter that when I make my first transaction on the Visa, the MasterCard will be cancelled overnight and the balance transferred to the Visa. So what happens if I don't use the new Visa? Is there a cut-off date I'm missing?

Also, when i first saw the card on the letter, I thought it looked a bit like slices of cheese stacked ontop of each other. I showed mum and she said it looked like Dorito chips on there. Interesting design to say the least lol 

Thanks!
-Sam






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Sam, Auckland 


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richms
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  #1160245 22-Oct-2014 19:11
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The change in numbers is something that really annoys me they have not solved with recurring payees onto a card.

Worse is when you use the ASB visa on some sites, it will forward you to a sketchy looking website called "verified by visa" that will ask you details about your account. I thought it was phishing the first time it came up and called the bank to report it. Had some dodgey .co.uk url and a bad version of ASB's logo on it.

Since they said its legit I feel much safer putting my personal information into any site with their log on it and a non EV cert do some generic sounding overseas company.




Richard rich.ms

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  #1160247 22-Oct-2014 19:14
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richms: Worse is when you use the ASB visa on some sites, it will forward you to a sketchy looking website called "verified by visa" that will ask you details about your account. I thought it was phishing the first time it came up and called the bank to report it. Had some dodgey .co.uk url and a bad version of ASB's logo on it.

Interesting, I've never run into that with my Westpac Visa so it look like ASB is doing something "clever".

 
 
 
 


richms
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  #1160248 22-Oct-2014 19:19
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I have had a similar thing on my gem visa which instead texted me a code to enter in. Again, dodgey looking website with non EV cert made to someone that is not my bank but less harm entering a code you were texted than answering questions about the name on the card and something else about the card.




Richard rich.ms

GregM
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  #1160257 22-Oct-2014 19:42
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ASB use to have MasterCard and Visa and are moving just solely to Visa.  Verified by Visa is pretty standard, MasterCard has the same thing, but can't remember what its called.

CamH
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  #1160312 22-Oct-2014 20:51
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richms: The change in numbers is something that really annoys me they have not solved with recurring payees onto a card.

Worse is when you use the ASB visa on some sites, it will forward you to a sketchy looking website called "verified by visa" that will ask you details about your account. I thought it was phishing the first time it came up and called the bank to report it. Had some dodgey .co.uk url and a bad version of ASB's logo on it.

Since they said its legit I feel much safer putting my personal information into any site with their log on it and a non EV cert do some generic sounding overseas company.


www.securesuite.co.uk? It certainly does look like a phishing site every time, but I think it's used by pretty much every bank - I've seen it when using an Australian card online too. Must be a Verified by Visa thing.





Kyanar
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  #1160325 22-Oct-2014 21:26
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Behodar:
richms: Worse is when you use the ASB visa on some sites, it will forward you to a sketchy looking website called "verified by visa" that will ask you details about your account. I thought it was phishing the first time it came up and called the bank to report it. Had some dodgey .co.uk url and a bad version of ASB's logo on it.

Interesting, I've never run into that with my Westpac Visa so it look like ASB is doing something "clever".


Westpac (both NZ and Australia) doesn't yet support Verified by Visa, MasterCard SecureCode or American Express SafeKey.  BNZ does, as does ASB.

Basically, when you attempt a transaction, if it is flagged as requiring 3Dsecure, your bank tells the merchant processor "hey, before I approve this please bounce the buyer to this URL.  I'll let you know if it's all good after" and you are redirected to your bank's 3Dsecure verification page.  Once done, the 3Dsecure verification system tells the merchant "all good, go ahead and approve that", "nope, verification failed, approve at your own risk" or "something's broken.  You're on your own".

Most banks, completely ignoring everything they've told us for the past two decades, outsource their 3Dsecure verification to third parties with poorly designed pages, zero branding functionality, and dodgy sounding URLs.

GregM
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  #1160397 23-Oct-2014 07:43
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Kyanar:
Behodar:
richms: Worse is when you use the ASB visa on some sites, it will forward you to a sketchy looking website called "verified by visa" that will ask you details about your account. I thought it was phishing the first time it came up and called the bank to report it. Had some dodgey .co.uk url and a bad version of ASB's logo on it.

Interesting, I've never run into that with my Westpac Visa so it look like ASB is doing something "clever".


Westpac (both NZ and Australia) doesn't yet support Verified by Visa, MasterCard SecureCode or American Express SafeKey.  BNZ does, as does ASB.

Basically, when you attempt a transaction, if it is flagged as requiring 3Dsecure, your bank tells the merchant processor "hey, before I approve this please bounce the buyer to this URL.  I'll let you know if it's all good after" and you are redirected to your bank's 3Dsecure verification page.  Once done, the 3Dsecure verification system tells the merchant "all good, go ahead and approve that", "nope, verification failed, approve at your own risk" or "something's broken.  You're on your own".

Most banks, completely ignoring everything they've told us for the past two decades, outsource their 3Dsecure verification to third parties with poorly designed pages, zero branding functionality, and dodgy sounding URLs.


I'm surprised Westpac don't, I thought it was mandated in NZ a few years ago, but could be wrong.  I think its pretty much all outsourced to the same company for all banks world wide.

 
 
 
 


sbiddle
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  #1160404 23-Oct-2014 08:04
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Behodar:
richms: Worse is when you use the ASB visa on some sites, it will forward you to a sketchy looking website called "verified by visa" that will ask you details about your account. I thought it was phishing the first time it came up and called the bank to report it. Had some dodgey .co.uk url and a bad version of ASB's logo on it.

Interesting, I've never run into that with my Westpac Visa so it look like ASB is doing something "clever".


By understanding is Westpac use Verified by Visa as well, but my understanding is only connect to the 3rd party site for validation and don't require you to actually enter any details.



Bee

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  #1160434 23-Oct-2014 09:10
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tardtasticx: Got a letter in the mail from ASB today saying they're replacing my MasterCard with a Visa. Not a huge deal and I don't understand enough about these systems to cast judgement on it, I'm sure they have very good reasons.

I do like ASB, they're a great bank for me. But I don't really want to go around changing all my details at the places that have my old card on file. Thats my main annoyance.

Does anyone know a bit more about the changeover? It says on the letter that when I make my first transaction on the Visa, the MasterCard will be cancelled overnight and the balance transferred to the Visa. So what happens if I don't use the new Visa? Is there a cut-off date I'm missing?

Also, when i first saw the card on the letter, I thought it looked a bit like slices of cheese stacked ontop of each other. I showed mum and she said it looked like Dorito chips on there. Interesting design to say the least lol 

Thanks!
-Sam




Really perhaps ASB should have given more notice about this change over...  They are dumping MasterCard in favour of VISA at a time when Mastercard have announced a record profit, so presumably this is a good change for ASB...

They first introduced the new VISA earlier in the year and had some promo where new customers got it interest free for 6 months...

It looks like you do have a lot of control over the changeover ...  you need to activate the card, put a pin on it and then make a purchase and then overnight the balance will transfer from the Mastercard...  at least that was my experience...  I activated one day, made a purchase the next and then the next night the transfer happened...

I'm guessing if you don't do anything you can just use the mastercard until the expiry date on the card???
All the different credit cards have different numbering systems so its just not possible to switch from Mastercard to VISA and keep the same number...

fizzychicken
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  #1160453 23-Oct-2014 09:32
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see ASB triple check which mentions use of the 'Verified by VISA' site
https://www.asb.co.nz/personal/credit-cards/credit-card-security
I actually prefer it when the verified page comes up, though sometimes it will auto-validate under a certain value. I use a 2FA login for ASB so that and the verified page make me feel a little bit safer when it comes to online use of my card.
It seems of the past few years banks have opted in different directions re VISA or Mastercard, some such as westpac were opting to use VISA only quite a while ago (in AUS at least).
I would imagine that now VISA pin numbers are mandatory in stores and that ASB is using NFC payment with VISA, it probably makes sense for them to focus everything on the one card.
Design is another thing, the only card that is ever going to look good is




xpd

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  #1160464 23-Oct-2014 09:47
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Oh, I am so gonna get that on my card :D

Update : no Im not.... ANZ wont allow cartoons to be used :( Curses.





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sonyxperiageek
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  #1160529 23-Oct-2014 10:36
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Kyanar:
Behodar:
richms: Worse is when you use the ASB visa on some sites, it will forward you to a sketchy looking website called "verified by visa" that will ask you details about your account. I thought it was phishing the first time it came up and called the bank to report it. Had some dodgey .co.uk url and a bad version of ASB's logo on it.
<br>Interesting, I've never run into that with my Westpac Visa so it look like ASB is doing something "clever".
<br><br>Westpac (both NZ and Australia) doesn't yet support Verified by Visa, MasterCard SecureCode or American Express SafeKey. &nbsp;BNZ does, as does ASB.<br><br>Basically, when you attempt a transaction, if it is flagged as requiring 3Dsecure, your bank tells the merchant processor "hey, before I approve this please bounce the buyer to this URL. &nbsp;I'll let you know if it's all good after" and you are redirected to your bank's 3Dsecure verification page. &nbsp;Once done, the 3Dsecure verification system tells the merchant "all good, go ahead and approve that", "nope, verification failed, approve at your own risk" or "something's broken. &nbsp;You're on your own".<br><br>Most banks,&nbsp;<em>completely ignoring everything they've told us for the past two decades</em>, outsource their 3Dsecure verification to third parties with poorly designed pages, zero branding functionality, and dodgy sounding URLs.
If I recall correctly, even if someone tries to steal your money the bank will reimburse it if you took precautionary security measures?




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tardtasticx

3027 posts

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  #1160544 23-Oct-2014 11:14
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Bee:
tardtasticx: Got a letter in the mail from ASB today saying they're replacing my MasterCard with a Visa. Not a huge deal and I don't understand enough about these systems to cast judgement on it, I'm sure they have very good reasons.

I do like ASB, they're a great bank for me. But I don't really want to go around changing all my details at the places that have my old card on file. Thats my main annoyance.

Does anyone know a bit more about the changeover? It says on the letter that when I make my first transaction on the Visa, the MasterCard will be cancelled overnight and the balance transferred to the Visa. So what happens if I don't use the new Visa? Is there a cut-off date I'm missing?

Also, when i first saw the card on the letter, I thought it looked a bit like slices of cheese stacked ontop of each other. I showed mum and she said it looked like Dorito chips on there. Interesting design to say the least lol 

Thanks!
-Sam




Really perhaps ASB should have given more notice about this change over...  They are dumping MasterCard in favour of VISA at a time when Mastercard have announced a record profit, so presumably this is a good change for ASB...

They first introduced the new VISA earlier in the year and had some promo where new customers got it interest free for 6 months...

It looks like you do have a lot of control over the changeover ...  you need to activate the card, put a pin on it and then make a purchase and then overnight the balance will transfer from the Mastercard...  at least that was my experience...  I activated one day, made a purchase the next and then the next night the transfer happened...

I'm guessing if you don't do anything you can just use the mastercard until the expiry date on the card???
All the different credit cards have different numbering systems so its just not possible to switch from Mastercard to VISA and keep the same number...


I was gonna do that I think. But it is quite short notice so wouldn't be surprised if there was a force cutoff date in the near future as well.

Does Visa do many specials for events and that? I've had a few pre-order tickets through MasterCard before, mainly when Beyonce came here last year. Best show of my life and managed to somehow get a ticket before pre-salesold out.




Bachelor of Computing Systems (2015)

 

--

 

Late 2013 MacBook Pro with Retina Display (4GB/2.4GHz i5/128GB SSD) - HP DV6 (8GB/2.8GHz i7/120GB SSD + 750GB HDD)
iPhone 6S + (64GB/Gold/Vodafone NZ) - Xperia Z C6603 (16GB/White/Spark NZ)

Sam, Auckland 


bazzer
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  #1160717 23-Oct-2014 14:41
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WTF? Do ASB let you custom your CC? How do I not know about this?

Oh, Debit cards only... :(

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