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can shops take your bank card off you?

pink-ka Avatar
5y, 7m agoPosted 5 years, 7 months ago
my partner just rang me on his way home from work and he had put some petrol in, when he went to pay the machine declined the card x2, the fella behind the counter said if it happened a 3rd time he would have to take the card off him. luckily he used the cash machine outside and it was ok. are they allowed to take your cards off you? i would be very annoyed if that happened to me and they took the card.
pink-ka Avatar
5y, 7m agoPosted 5 years, 7 months ago
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#1
no, no one is allowed to take the card from you, i'd report the petrol station to your bank and the police

My cards been refused as i've had unexplained activity on my card (bought quite alot of xmas gifts online using my card), tried to pay for petrol and was declined, said i had to call the company, anyway i did and said how unhappy i was at that particular time that they decided to block my card (shop was round the corner from where i stay) but it was ok to purchase items from all over the world....
Anyway.... person selling you anything doesn't have the right to confiscate your card

Edited By: bikerjodie on Apr 06, 2011 22:37
#2
No I dont think that sounds right!
suspended#3
i think they are, if they suspect that the card is stolen (i.e. you failed the pin 3 times) then they can take the card away from you.

Used to work in a supermarket and i took some guys card away for reasons I can't remember. Ended up getting a £50 reward from the bank as it had been reported stolen. This goes back many many moons ago though
#4
Sounds dodgy!
banned 1 Like #5
bikerjodie
no, no one is allowed to take the card from you, i'd report the petrol station to your bank and the police

My cards been refused as i've had unexplained activity on my card (bought quite alot of xmas gifts online using my card), tried to pay for petrol and was declined, said i had to call the company, anyway i did and said how unhappy i was at that particular time that they decided to block my card (shop was round the corner from where i stay) but it was ok to purchase items from all over the world....
Anyway.... person selling you anything doesn't have the right to confiscate your card


yes they do, usually after being told to by the card company though
#6
they used to i believe, however they have to destroy it in from of you....this was many many years ago tho,like 16 + years ago, so may of changed
suspended#7
I'm sure they can if there has been a stop put on card, don't know about entering wrong pin though.

Edited By: Hissy Miss on Apr 06, 2011 22:40
#8
[/quote]
yes they do, usually after being told to by the card company though[/quote]
yep shoulda added this
#9
Some shops will cut the card up in front of you, depending on the reason it is declined by the bank.
#10
he didnt enter the pin wrong, he said it said refer to issuer or something like that, but it worked fine in the cash machine, maybe they chips going dodgy.
#11
If they did take it from me I would call the police immediately.

Read this: http://www.guardian.co.uk/money/2006/feb/18/creditcards.debt
banned#12
if the card company ask the retailer to seized the card .. then yes, normally due to fraudulent use or reported stolen
banned#13
kjbenja
If they did take it from me I would call the police immediately.

Read this: http://www.guardian.co.uk/money/2006/feb/18/creditcards.debt


nothing in there to say the shop didnt have the right to retain the card. What would you say to the police?
#14
for reasons unknown , a card can and will be retained. its not the store, its the bank via the payment handler, ie streamline that will state on the machine to retain card. We have return procedures for these cards and our store is issued £50 for each card retained. i dont know the in's and out's, but if the machine says to retain, we do. Thats in my work, i assume every other retail store etc has the same procedure.
banned#15
If the Authorisation Centre asks you to retain the card

Explain politely that the card issuer has asked you to hold onto the card. Your own company policy will decide whether you detain the cardholder or call the Police. Never put yourself, your staff or the public at risk.



Even if the Authorisation Centre does not ask you to retain the card, you may decide that a card or a transaction is suspicious – for example, if you have identified it as counterfeit. Card thieves act fast, and will often try to use a card before the owner notices that it has gone.



There may be a reward for recovering a card that is being misused.




Preserving evidence

Cards used fraudulently are EVIDENCE.

Treat them with care and you will make it easier for the Police to catch and prosecute the thieves.



Please check that these instructions are in line with business policy. If you are responsible for company policy, you should consider incorporating this advice as far as possible into staff training. If staff come into contact with criminals, it is far better – and less stressful – if they are prepared for the possibility and have an agreed process to follow.

* Preserve the card:
o Don't cut the card in half!
o Handle it by the edges so as to preserve fingerprints. Cut off the bottom left-hand corner (as seen from the front).
o Don't damage any other part of the card. Handle it as little as possible and place it in a plastic bag or envelope until you can give it to the Police.


http://www.streamline.com/support/kb/moi/index.htm
#16
thanks for the replys, might give the bank a ring in the morning and see if theres any problems, if the bank card gets taken away i wont be able to spend my fellas money lol
banned 1 Like #17
colinsunderland
kjbenja
If they did take it from me I would call the police immediately.

Read this:http://www.guardian.co.uk/money/2006/feb/18/creditcards.debt

nothing in there to say the shop didnt have the right to retain the card. What would you say to the police?


err" my card is stolen so best you arrest me " X)
#18
I remembered many, many years ago...... The company i worked for , we was advised to collect any cards that has been declined, as it may be stolen. The bank in return, gave the person £50 as a reward.

Not sure if this still happens now.
#19
I had my debit card taken off me by a Cash machine. It ate it. I was really worried. Turns out it was out of date.
#20
It should come up on the PDQ "retain card" or "phone for authorisation" it happens all the time, you do what the PDQ tells you to do, 9 times out of 10 its just a phone auth they want to ensure its the cardholder using it, but if it says retain card, you have to do it.

Edited By: Skyebee on Apr 07, 2011 00:16
banned#21
My card wouldn't work because the chip had fallen out, been used too much. Going to cut down on spending with this card.
#22
All cards belong to the company that issues them, not to the person using it, so if the company that issues the card, or it's agent, asks for the card to be retained, it is their property and they have a right to do so.
#23
yes they can with out a doubt i know this for a fact as i used to be a manager for a large pub company and had cards refused before and it says on the card machine retain card and call this number.
#24
just going to say that if the machine tells you to retain card, 99% of the time its been reported lost or stolen, therefore your required to keep the card. if its un-usual activity it usually just declines the transaction. im sure there only allowed to retain the card when it asks you to though
#25
ive had a few grand over the years from keeping peoples cards and sending them back to the bank

so yes
#26
No, they can't! Not for entering your pin incorrectly!

If your 3rd attempt is wrong the car blocks automatically and won't be unlocked until you phone your bank so you couldn't use it anywhere else even if you wanted to! Lots of people have blanks where they forget their pin number when they get to the till.

The only time they could keep the card would be if it flagged up as requesting authorisation, then the assistant can handle the card to make the phonecall to your card issuer. If your card issuer states it is stolen THEN they can (and will) retain the card but in the majority of cases it could just be that it's been used quite a bit that day or used for the first time in a long time and your card issuer just wants to check it is actually you that's using it!

Edited By: luvvlychocolate on Apr 07, 2011 07:27
#27
Sounds more like company policy to try and get payment for the petrol. It could be that you would have your card returned when you return As for phoning the police, I would of thought that in this case they would be more likely to take your details if you have filled with petrol and then have a problem paying.



Edited By: Acx on Apr 07, 2011 08:19
#28
how would they take the card if they're using chip n pin, I don't let anyone or shop take my card from my reach or visibility, had to be walked through restaurants because of it.



Edited By: Alfonse on Apr 07, 2011 08:24
banned#29
Alfonse
how would they take the card if they're using chip n pin, I don't let anyone or shop take my card from my reach or visibility, had to be walked through restaurants because of it.


'I need to ring for authorisation sir, can I take your card while I phone them'
'No'
'Ring Ring, hello, police? I'd like to report a possible stolen credit card being used, we have the car reg no etc'
#30
colinsunderland
Alfonse
how would they take the card if they're using chip n pin, I don't let anyone or shop take my card from my reach or visibility, had to be walked through restaurants because of it.


'I need to ring for authorisation sir, can I take your card while I phone them'
'No'
'Ring Ring, hello, police? I'd like to report a possible stolen credit card being used, we have the car reg no etc'


I'd be fine with that, nothing to hide, nothing to worry about, you just ain't taking MY card, end.

Its the same with the supermarkets when they want to go through your shopping on the way out, I always say the same, "either accuse me of shop lifting or let me through", if they accuse you wrongly the ramifications are immense

Edited By: Alfonse on Apr 07, 2011 08:54: hjgkj
#31
my local asda people are always beeping on the way out and no one ever comes to see why, it annoys me as baby milk has a security thing on and 9 times out of 10 the forget to deactivate it so i beep, i wait for a minute and if no one comes i just walk out.

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