"Your card is not working Ma'am"

#1 Jan 17th, 2009, 18:49
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#1
Last night went out for a few lemonades...and upon trying to pay was told my Indian debit card wasn't working and that they'd already tried it twice. I'm thinking I've screwed my card up by repeatedly sticking it in and out of an ATM a few hours earlier trying to get some cash out of a dodgy machine as I'm SURE I have some money in there....desperate gori with no cash on her = potential to get stranded at some stupid hour of the night

So move onto the next establishment, same thing happens when I go to pay again..think something could be wrong with my card. Lucky my friends bail me out THANKS GUYS

Get home and jump on net banking...what do I see? First club they have processed 1440Rs TWICE "we tried it twice madam"......and 1600Rs or so at the other place (yes, i was drinking expensive lemonade ). SO all the times it "wasn't" working...well...it totally was working? And mind you this was at the 2 Tajs, President and Lands End, so a few early morning phone calls and some to the bank, hopefully the 3 amounts should all be refunded...this is over 4000Rs mind you. They were very apologetic but I'm a little suss...I did successfully use my card once earlier in the evening for dinner...but that was the last time it would 'work' for the night...

so just wanted to bring it to IMers attention -double check the next time they tell you your card isn't working!!
Last edited by AusE; Jan 17th, 2009 at 18:58.. Reason: edited post
#2 Jan 17th, 2009, 18:53
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#2
I'd be inclined to trust the guys at the Taj.., any other place it may be wise to stand and watch over the guy as he phishes the card!
#3 Jan 17th, 2009, 21:37
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#3
Ask for a receipt for the failed transaction. They couldn't have debited your account without you entering a PIN number could they?
#4 Jan 18th, 2009, 01:02
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#4
Certainly they could.

PIN POS machines do exist here, but are not that common.

In fact... just checked my Indian debit card and it does not have the chip for chip'n'pin ---- which would explain why it is a long time since I was asked to enter one!
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#5 Jan 18th, 2009, 02:33
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Quote:
Originally Posted by Nick-H View Post Certainly they could.

PIN POS machines do exist here, but are not that common.
Wow. So if someone steals or finds your card they can just charge things on it with no PIN?
#6 Jan 18th, 2009, 02:41
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Quote:
Originally Posted by hal2004 View Post Wow. So if someone steals or finds your card they can just charge things on it with no PIN?
Yes, in exactly the same way as they could in all other countries, before the relatively recent introduction of chips on credit cards.

I know that when dukkha first came to England a few years ago at least one of his Canadian credit cards only had a magnetic strip. If India is only two or three years behind Canada, it's doing pretty well I think!
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#7 Jan 18th, 2009, 02:59
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#7
Maybe we're talking about something different. I thought the OP was referring to a card which directly debits her bank account and isn't tied to a credit card?

I've never had a debit card that doesn't need a PIN to finalize the transaction, whether it's had a chip or just a magnetic strip. I'm not sure I'd want one, either.
#8 Jan 18th, 2009, 03:05
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No; we are talking about a bank debit card.

Mine has got my photo on it, but I don't know if anyone looks at it.

Chip'n'pin must exist in India, because I have used it, and they wouldn't have installed it for a handful of foreigners! But I do not believe I have used it with my Indian card, which is all I use day-to-day: we just sign slips.

I think I'm right in saying that British banks had to make rather an embarrassing climbdown from their claim that CnP was completely secure?
#9 Jan 18th, 2009, 04:10
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Okay I have a debit card, however if I purchase something it usually goes through to the 'Mastercard' i.e. sign...unless I tell them that I want it from my savings account though I suppose, so like Nick H says, I just sign on the dotted line.... I guess they're just used to everyone having credit cards. Same as I have in Aus, handy as you save on transaction fees and can access credit card functions like online purchases etc, yet only pay when you have the $$...or rupees....or whatever the case may be No PIN needed! But speaking of PINS, I can;t count how many times I have gone out and heard someone telling the bar guy their PIN so they can take the payment?? Where I come from, this PIN number etc is totally secret squirrel business?! And my card has a chip, but fat lot of good that is

So the odd thing is, is that I WASN'T given a receipt at ANY place, the staff just came back to me and told me it wasn't working. Maybe too many lemonades(doubt it as I even had chai), or maybe I thought it was just an Indian thing that it was inoperational and all , but am glad I checked when I got home. Yet I still had one of the Taj Pres guys telling me this avo that I must be wrong and that it couldn't have been processed...ummmm not once buddy but twice its been processed!! so now I need to get some bank statement etc and drop it down south...I don't know why he thinks I would email him a copy of my bank statement??!!

I will sort it out anyways, I love the fact that in India the bank will send around a guy to pick up a letter from you making a complaint about something. Love it.
#10 Jan 18th, 2009, 04:33
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#10
Quote:
Originally Posted by hal2004 View Post I've never had a debit card that doesn't need a PIN to finalize the transaction, whether it's had a chip or just a magnetic strip. I'm not sure I'd want one, either.
Chips on credit AND debit cards are a fairly recent introduction, in the UK at least. I'm sure that if you think back maybe five to ten years you will remember having a debit card which did not have a chip - and again in the UK at least, until shops were all fitted with chip readers, a pin was not necessary to pay for goods using a debit card.
Quote:
Originally Posted by Nick-H View Post No; we are talking about a bank debit card.

Mine has got my photo on it, but I don't know if anyone looks at it.
Then it is more secure than my old magnetic strip debit card, even in England we don't have photos yet!
Quote:
I think I'm right in saying that British banks had to make rather an embarrassing climbdown from their claim that CnP was completely secure?
Yes, and I really don't know why they thought they could get away with saying such a thing anyway. No system is secure from fraud, all they can hope to do is minimise it.
#11 Jan 18th, 2009, 07:48
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I've used a debit card for years. The old magnetic strip one required a signature on a paper slip - one signed copy for the merchant; one copy for me. Rarely would shop assistants etc ever check the signature - but............ The other way of using it was to enter a 4 digit PIN - but that could only be used within Australia. Overseas it was linked automatically to my credit card a/c and debited it by default.

These days with chipped cards I can choose either to sign or to enter a PIN - BUT I have never used a card where a swipe was enough. Always some confirmatory action was required.

Either the lemonade was very, very strong and the OP has forgotten some of the evening's minor details - or there was dodgy business afoot, probably also stimulated by the apparent euphoric state of the OP at the time!!
#12 Jan 18th, 2009, 08:05
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I agree with Obione. Never use your card unless you can see what's going on, and unless you get a receipt. I've used my card many a time, but even at the Taj, I would not let someone take my card out of my sight. If they came back with some lame excuse about the card not working, and no receipt, I would demand to see supervisors until I got up high enough to get something done.

I use my ATM/credit card quite a lot in India, but you have to remember that it's a developing country, despite all the fancy new gizmos. None of that existed a few years ago.

As for Taj group employees... well, they're mostly reliable, but not always well-screened. Remember that a couple of the terrorists who shot up Mumbai managed to get hired at the Taj and had been working there for days prior to the attack. Just because it looks spiffy doesn't mean it's spiffy all the way down.

I also wouldn't pay that much for lemonaide. I hope that was one hell of a tasty lemonaide. It's tourists like you who drive the prices up.
#13 Jan 18th, 2009, 08:24
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#13
I must say I am a bit surprised. I have been using my Indian/Australian Debit/Credit card in India for years now. No problems what so ever.

Although what happened with AusE is enough to spook anybody, I would give the guys the benefit of doubt just this one time. If you were to go to the same restaurant and end up in a similar soup, then I would certainly bring the roof down, both with the establishment and more so with my bank.

The only time I have ever had trouble was when I used my credit card to pay for my train tickets on IRCTC website. It debited my card but didn't book the ticket. But they refunded the money within 2 days. So it wasn't such a bad end.
#14 Jan 18th, 2009, 10:22
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#14
Quote:
Originally Posted by Nick-H View Post We just sign slips.
Ah, OK, thanks. I'd wrongly presumed that they just swipe the debit card and hand you a receipt.

They do have a few cards in Canada now that work on that principal. You can get a card for a gas station that you just wave at the pump and it puts it on your account.
#15 Jan 18th, 2009, 10:58
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#15
Okay okay I didn't have THAT much lemonade guys (that was last week )...at one of the Tajs I was trying to pay for chai. I still had the presence of mind to use net banking when I got home remember as thought something was odd? I was thinking about giving them the benefit of doubt...but it happened at TWO Tajs?? Or is that just a spooky coincidence??
And me?! tourist?! Now when everyone asks me where I'm from I just tell them I'm from "here only"....haha...you should see the confused looks

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