Today, a train conductor destroyed my bank card: Rant!

[j1979]

this guy was an a**hole from the start.

sounds like the conductor has power issues. i feel sorry for you as things like that can ruin a persons day.

PS. what are the stars for? did you not want everyone to know the conducter is a donkey hole? Ass is not a swearword in the UK.

YouTube - Father Jack

[bigblue]

well the guy using the stolen card is most likely not bothered about other people.. so he won't hesitate to damage the conductor if he's just snapped the credit card in front of him..

He said he would hesitate to snap the conductors neck. But if it's a typo I still don't see how it makes any difference ? How does it show a flaw in the banks logic ?

I also think it's maybe a bit of a generalisation about all criminals being violent. A genuine punter would be enraged, as with the OP, a criminal would just realise they'd been caught. Been there, done that (not the crim, the card cutter ! )

[SiM]

I don't follow ? How does hesitating snapping a conductors neck if you had a stolen card show a flaw in the banks logic ?

Sort of what he says...

well the guy using the stolen card is most likely not bothered about other people.. so he won't hesitate to damage the conductor if he's just snapped the credit card in front of him..

My point is that it is not always optimal to confront suspected criminals in such a way...

and it is meant to be wouldn't... typo

[bigblue]

Ah right, typo makes more sense But...

My point is that it is not always optimal to confront suspected criminals in such a way...

It's not a great situation to be in, but it's the only way.

And that's why sometimes it seems as if the snapper is rubbing the snappee's (not a word, I know ) face in it. They're not, they're following best practice. You have to make the action clear to the person with the invalid card, and you have to people in the area aware of what's happening, so there's no sympathy, and therefore no risk of repercussions. Hence why you see people's cards being cut up at their table in restaurants.

A fraudster will occasionally demand the card back, or will attempt to be threatening. But if everyone nearby knows about it they'll invariably disappear.

Only other option is to give someone a stolen credit card back. Can't do that, can you ?!

*BTW, I know the OP was in a different situation, sorry for going OT.

[SiM]

Ah right, typo makes more sense But...

It's not a great situation to be in, but it's the only way.

And that's why sometimes it seems as if the snapper is rubbing the snappee's (not a word, I know ) face in it. They're not, they're following best practice. You have to make the action clear to the person with the invalid card, and you have to people in the area aware of what's happening, so there's no sympathy, and therefore no risk of repercussions. Hence why you see people's cards being cut up at their table in restaurants.

Regardless, there is a risk. People have had a cap popped into their head for a lot less... but I suppose this isn't america...

A fraudster will occasionally demand the card back, or will attempt to be threatening. But if everyone nearby knows about it they'll invariably disappear.

Only other option is to give someone a stolen credit card back. Can't do that, can you ?!

I would give it back if I was a train conductor... not worth risking confrontation over...
You could always report it to the bank after...

[bigblue]

Regardless, there is a risk. People have had a cap popped into their head for a lot less... but I suppose this isn't america...

Aye, fair point, badly worded. Less risk is more accurate.

I would give it back if I was a train conductor... not worth risking confrontation over...
You could always report it to the bank after...

If it was the situation described in the thread, or there was genuine doubt, fair enough. But if I knew it was a stolen card I'd snap it without hesitation. Reporting it to the bank later wouldn't make much difference in most cases, as they usually use the card for a short period then dump it. And some of the shops they conned wouldn't get their dosh back, and obviously someone has to pay for the stuff somewhere down the line.

I don't really get why someone wouldn't replace a card if it had "void" showing though ? There's tons of places where I get ansked for a sig, and if my strip was void I would be up yonder brown creek.

[neiledavies]

Unfortunately he is allowed to do that, any card with void on it can be kept and destroyed by a retailer. If they then post it back to the bank they get paid for it. something like £50.

[Agent]

And some of the shops they conned wouldn't get their dosh back

As I understand it, If it was paid via chip and pin, the company is covered and the bank will absorb the cost

[neiledavies]

The chargeback rules are massively complex, even if paid by chip and pin. The bank won't always absorb the cost. Each case is looked at individually.

[Agent]

The chargeback rules are massively complex,

That I can believe

[bigblue]

As I understand it, If it was paid via chip and pin, the company is covered and the bank will absorb the cost

Yup, that's the theory, but it doesn't always come good in practice. We had a couple of occasions where we never got the money back.

There are issues with wireless terminals and the like, and if you have to take a sig because of problems your end, you bite it.

[Gerrard]

As I understand it, If it was paid via chip and pin, the company is covered and the bank will absorb the cost

I believe that was the intention until the banks realised they shot themselves in the foot with that idea as at least with the signature, they had some proof it was the shop's fault. Now I believe they target the person whose card was nicked/cloned, and they have to proof it wasn't them (after all, they shouldn't have given their PIN to anyone and there's no way anyone else can get a hold of it [/sarcasm])