Well I am bracing myself for my holiday - I have more than one debit card and expect to take some cash too.
It is such a trauma going on holiday - even if you tell your bank - even if you spend thousands on plane tickets to the destination using the very same card - they may - just for the hell of it - block your one and only card when you are there in a queue in a supermarket in a foreign country in the name of "fraud protection".
When we went to Barbados a few years ago that happened. My Barclays card would not work. By some fluke I had with me a Lloyds card for an account I had opened some years before, still valid, just, and never ever used, but had a £1000 overdraft on the account even if £0 balance from opening. The card was not even signed (oops). That worked, the Barclays one did not. I spent hours on calls (expensive ones) from Barbados getting Barclays to fix it. I was not repaid for that time or money.
So I am dreading my next holiday. Will they will try and protect me from fraud yet again?
But hang on - who are they protecting - who would be defrauded here?
I had this discussion with my bank manager (who comes to see me some times). I said I did not want this hassle - and he was shocked. Did I really want to "disable fraud protection" on my card. Sadly, even though I said yes, he was unable to do this.
You see the "fraud protection" is not actually to protect me!
It is a shame they will not actually be honesty about this even...
I am in very little danger of suffering from fraud - to do that someone would have to "fool" me. Someone would have to lie to me for some gain. What is far far more likely (and did happen once, and was not picked up by these idiots) is someone pretends to be me when asking the bank for money (typically, via some merchant).
Now, if that happens, who has been lied to? The merchant and the bank, that's who! So that is who has suffered some sort of fraud, not me. I would suffer (temporarily) the hassle of the bank mistakenly reducing the balance on my account thinking I had asked for money.
Only if I was somehow careless and gave out some details which I should not have (and contractually agreed not to, etc) like my PIN, would I, perhaps, be in some way liable for a fraud against the bank - i.e. only if they could say "well, we thought it was you because they had your PIN", etc, could they pass on that liability. I am not that daft, and some of my cards do not have a PIN even!
So, at the end of the day, I would far rather they did turn off their "fraud protection". The worst that could happen is they mistakenly take money from my account (which they have to put back when they realise it was not me) and so stop some transaction happening later as no money left. From my point of view this is exactly as annoying as them blocking my account because they think something legitimate is in fact fraud. It does not help me at all, in any way, whatsoever.
Well, we'll see. Listen to Mitchell & Webb's view on this.
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