In my experience all you need for a card to go through is the number, expiry and the ccv (but some will go through without). As far as I know the systems they use are not sophisticated enough to match a name or an address given that typos may occur or addresses may be typed in a different format etc.
In my days processing credit card transactions our system never asked for anything but the card number and expiry, but that was before the ccv became a thing.
Post by UnderProtest on Jan 7, 2015 6:43:46 GMT -5
I have had the same issue with my BofA card which we used almost exclusively. Customer service was great, but their only suggestion was to use safe pass for online transactions. This no longer works for me since I don't have a US cell number (it requires they text you a code for you to enter immediately).
One of my Barclay cards is frequently stolen, the other hasn't yet. Its my upromise card that i only use at participating places so I'm trying to figure out the pattern of where.
I had the opposite problem this fall. Both of my Chase cards and my business AmEx numbers were stolen, but not Barclay.
The oddest thing was that the Chase cards were both backup, not-in-regular-rotation, type cards, and the AmEx I use regularly, but only at really specific (government agency) vendors and when I travel (which is not all that often). So I can't really figure out how it happened.
DH's Citibank card is like this too. At least twice a year. I finally moved all of our auto bill pays off of it because I was sick of having to change the auto pay every time. I know people complain about Citibank's cs but they've always been fantastic for us in this regard.