Reply To: Curve, fraud, and terrible customer support

[JDB]

I don’t believe there’s any great correlation between where/how you use a card and fraud. I have had a Curve card since inception some seven years ago. It’s never locked and I have never suffered any fraud although I use the card extensively online, over the telephone, in person contactless and using PIN all over the world. In that same time I have had two Amex cards and a Tesco MC compromised. It’s just chance/bad luck. I have never lost a card or had one stolen but somehow bad actors have attempted dodgy transactions picked up by both card companies and not authorised.

It has been mentioned above (with the suggestion that it’s exclusively a Curve issue) that telephone transactions don’t use 2FA, but that’s my experience on all cards although they sometimes use the digits from the postcode as additional identification, but a merchant can override this if they are either willing to take more risk or in on some scam.