Debit Cards (was: RE: ATM scam)

[Nicholas Bohm]

At 12:02 PM 6/10/1999 +0100, Ian Miller wrote:

>This is very worrying especially in view of the proposed `rebuttable
>presumption of validity'.  Personally I refuse to have a debit-card at all
>for this reason.  To date I have considered credit cards adequately safe
>because I can refuse (and have refused) to pay the bill when necessary.
>However with a proposed 'presumption', it will make credit cards much more
>dangerous.

As far as I know there is no difference between debit and credit cards
here:  if the cardholder was not present, then the card issuer cannot
charge the card holder's account (no evidence on which to do so), and will
rely on whatever rights there may be to charge the transaction back through
the system to the merchant.

The presumption would indeed undermine this important element of consumer
protection.

Regards,

Nicholas Bohm

Salkyns, Great Canfield,
Takeley, Bishop's Stortford CM22 6SX, UK

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