Has anyone had a problem?
I imagine that the PIN is held on the card rather than at the bank.
I imagine that the card contents could be damaged somehow, maybe by a magnet?

trade4us2 - 2021-02-03 17:56:00

The PIN is not held on the card. Yes the mag stripe card be damaged.

loud_37 - 2021-02-03 18:05:00

loud_37 wrote:

The PIN is not held on the card. Yes the mag stripe card be damaged.

Yes I suppose that is logical. The number of PIN attempts has been exceeded. The bank is not being helpful.

trade4us2 - 2021-02-03 18:46:00

trade4us2 wrote:

Yes I suppose that is logical. The number of PIN attempts has been exceeded. The bank is not being helpful.

The bank has been very helpful, clearly, someone who does NOT know the pin, has been trying to use that card & it's been blocked.

Sounds pretty fair to me.
Of course we always remember our own pins ..... .. aye

mrfxit - 2021-02-03 18:56:00

PIN can be changed online via Internet banking so should be no need to talk to bank at all.

spyware - 2021-02-03 19:00:00

mrfxit wrote:

The bank has been very helpful, clearly, someone who does NOT know the pin, has been trying to use that card & it's been blocked.

Sounds pretty fair to me.
Of course we always remember our own pins ..... .. aye

Unless you're old and possibly have memory problems, (Altzheimers or similar ?).

nice_lady - 2021-02-03 19:44:00

A few days ago I couldn't for the life of me remember my customer number.

I had to stop, go for a little walk, and come back before it rolled off my fingers onto the keys...

These things happen when you have a head full of irrelevant rubbish.

oh_hunnihunni - 2021-02-03 19:56:00

i am sortof thinking card locked. you know that new crap where you can block and unblock your card with some app. or some crap. is what pops in my head.. maybe it self locked . just like them drones in china who all fell out of the sky or the shite french trashheap cars who self accelarate psa is the grupe of crap.

intrade - 2021-02-03 21:16:00

Ring ANZ.I,ve always found them helpful..

gazzat22 - 2021-02-03 22:07:00

It's my son's card and he used the correct PIN. I suppose he can get a new card. I wonder how long that takes.
The ANZ has NOT been helpful.

Edited by trade4us2 at 10:09 pm, Wed 3 Feb

trade4us2 - 2021-02-03 22:09:00

You can get a replacement card in store on the spot normally

nice_lady - 2021-02-04 06:40:00

As a general rule it is best to have accounts, and thus cards, with more than one bank to cover for a number of eventualities.

soundsgood - 2021-02-04 07:03:00

There's always the possibility his card has been cloned, for example a retailer palms it out of sight under the counter through another reader, and then the cloned card pin was failed too many times locking out the genuine card.

And banks aren't always helpful. My online banking said I had 1 chance left to login, and yet I hadn't failed any logins, so I logged a service call to report the times and IP addresses of the failed logins - deathly silence, they're about 6 weeks past their 2 day response promise.

gyrogearloose - 2021-02-04 07:42:00

nice_lady wrote:

Unless you're old and possibly have memory problems, (Altzheimers or similar ?).

My husband has dementia. Not to the point of totally lost it yet, but that's one thing he hasn't forgotten. Does forget how to do things, common things he's done all his life every day...but not that.

lythande1 - 2021-02-04 08:21:00

gyrogearloose wrote:

There'-
;s always the possibility his card has been cloned, for example a retailer palms it out of sight under the counter through another reader, and then the cloned card pin was failed too many times locking out the genuine card.

I will get him to check all his purchases. If that is happening, they have to be stopped.

trade4us2 - 2021-02-04 09:41:00

loud_37 wrote:

The PIN is not held on the card. Yes the mag stripe card be damaged.

I do not think there is anything, physically, that can happen to your card that will muck up or change the PIN. Your actual 4 digit PIN number is not held / recorded anywhere, other than if you as the the card holder writes it down... What the bank has recorded is a number which is the result / answer after your PIN has been through approx 100+ mathematical steps and digit manipulations. e.g if your PIN number is say 1234 the bank has recorded say 4762659. The maths etc done on your PIN to get the number the bank has is such that you can get 4762659 when 1234 is entered, but you can not "back engineer" the number 4762659 to get back to 1234

onl_148 - 2021-02-04 09:42:00

Happened to me. The magnetic strip is naff, get a new card issued.

gubay - 2021-02-04 19:10:00

trade4us2 wrote:

It's my son's card and he used the correct PIN. I suppose he can get a new card. I wonder how long that takes.
The ANZ has NOT been helpful.

Would you want them to be helpful to a crook trying to get access as well?

headcat - 2021-02-04 19:13:00

After using some 'self serve petrol stations' most of the time my card will decline for a few hours afterwards.
( It takes out up to $150 I think, then takes your petrol purchase out of that, and gives you back the change. From what I understand )

marte - 2021-02-04 21:40:00

headcat wrote:

Would you want them to be helpful to a crook trying to get access as well?

Kind of defeats the purpose when you get treated like one "just incase" why not have large sums of cash in one account and less in the one you use at the atm, then ring the bank to block it if that happens, a mate got held up at knifepoint to give his pin over, the bank cant stop that, it happened when he was getting his card out at the atm, he argued with the thief and got a bank statement out and shoved it in there face with less than 2$ in it because he hadnt been payed yet, all this id bs at the banks wont stop real criminals, why worry so much, they go to jail for the sake of a couple of hunderd isnt my idea of a vacation..

gunna-1 - 2021-02-05 05:55:00

I dont trust you to be my neighbor but i do trust you to be my master, NEVER let the banks do this lol.

gunna-1 - 2021-02-05 06:12:00

marte wrote:

After using some 'self serve petrol stations' most of the time my card will decline for a few hours afterwards.
( It takes out up to $150 I think, then takes your petrol purchase out of that, and gives you back the change. From what I understand )

I used to work on these systems and can tell you exactly how these work (and things like EMV cards if anybody really wants to know).

NZ has Paymark; a company that processes payment at almost all fuel stations, unmanned (like Gull, Waitomo or Allied) or full retail sites like BP, Mobil and Z.

When you buy fuel, the site doesn't know exactly how much you will get into the car and can't take it back, if for instance you pump $100 but only have $2 in the account. Makes fuel a bit different from buying other things, but rental cars and hotels can be similar.

Before authorising the pump, they take a 'pre-auth' of a standard amount - typically $150. If you select lesser amount on the OPT (for Gull, Z at least) like $40, then pre auth will be for the $40. Paymark talks to your bank and if you have only say $30 they will pre-auth for that $30. They hold that amount so you can't spend that money while you are fuelling. Once the nozzle is replaced, then the pre-auth is reversed and a new transaction is made for the actual amount dispensed. This transaction normally takes 30s to 60s - basically as fast as a normal transaction.

So people complaining about the hold remaining on the card for hours or days have either struck a very odd exception case like the station going offline between the successful pre-auth and the completion after nozzle hang-up, or more likely have some very unusual card type which does not have a live realtime connection with Paymark for pre-auth transactions.

99% of cards in NZ are issued by NZ/Aus banks and clear pre-authorization within a minute or two, so interesting to see exactly what cards don't do this. Maybe Q or GEM cards?

Edited by gblack at 7:58 am, Fri 5 Feb

gblack - 2021-02-05 07:57:00

This message was deleted.

kittycatkin - 2021-02-05 10:28:00

gubay wrote:

Happened to me. The magnetic strip is naff, get a new card issued.

Yes. He has never let the card be in anyone else's hands.

trade4us2 - 2021-02-05 11:36:00

I was given a prepaid visa gift card, a bit like a debit card, but it has to be activated online and no pin required. Also if the retailer doesn't enter the amount as being under or = to the amount on the card, it is declined. Not the easiest thing to use, because if you have used it once, and forget how much is left, you are screwed, unless the retailer is sympathetic and does repeat transactions until it is used up. thankfully I never had to do that.

voyager4 - 2021-02-05 12:07:00

The bank accepts that the card is faulty and will send him a new one free.

trade4us2 - 2021-02-06 20:40:00

The member deleted this message.

malcolmc - 2021-02-07 13:56:00