Android phone.....finger print recognition question.

[Psamathe]

Most card issuers offer a zero liability but you're still bound to notify the bank within a certain number of days of receipt of a statement of any fraudulent sales. It is very unlikely you wouldn't notice but it isn't a 100% - you can still be liable for the loss if you're negligent in notifying. This also includes or you share your pin or access code with someone which is deemed as an authorised transaction and as such not covered.

I've have card numbers "taken" from reputable online stores (mainstream companies hacked) on two occasions. All the fraudulent transactions were for between £100-150 and all online purchases (ie they didn't have the PIN and those companies must have stored the CVV number - which apparently they don't need to but are allowed to). Each case ran up over £1000 in such transactions and both occasions the card company refunded them all without quibbling.

What was disappointing was:
a) That those companies when e-mailing me to notify me of the hack said they had now put in place increased security - why didn't they put it in place before the hack rather than straight after!

b) That the card company as part of the refund/paperwork asked me if I'd be prepared to help the police - to which I said I'd willingly help but was never contacted, never heard any more.

Frustrating as it all of us that pay for this, not the hacked store and not the card company. Like insurance the costs get spread across charges.