MBNA – PIN security, slightly lacking

March 2nd, 2012 by Richy B. Leave a reply »

Due to a card fraud incident (CNP), MBNA have had to reissue my Miles and More credit cards (I have a Visa card and American Express card on the same account). They’ve also issued me with new PIN codes. However, I received one letter today that read:

“Your American Express credit card PIN is here

Please be aware:

  • The PIN for your VISA credit card has been sent to you separately
  • The PIN for your American Express and Visa credit cards will be the same.

and another letter reading:

“Your Visa credit card PIN is here

Please be aware:

  • The PIN for your American Express credit card has been sent to you separately
  • The PIN for your Visa and American credit cards will be the same.

Yep – both PINs were the same: so why did they have to send two letters (doubling the chances of interception of the letters?) giving the same details? Why not just one letter saying “Here’s your new PIN code – it’s applicable to your Visa card (ending XXXX) and your American Express card (ending YYYY) which you’ll be receiving in the next few days. The PIN is the same for both cards, and you can can the PIN on either card via most high street cash machines.”

This post is over 6 months old.

This means that, despite my best intentions, it may no longer be accurate.

This blog holds over 12 years of archived content - during that time, I may have changed my opinion of something, technology will have advanced (and old "best standards" may no longer be the case), my technology "know how" has improved etc etc - it would probably take me a considerable amount of time to update all the archival entries: and defeat the point of keeping them anyway.

Please take these posts for what they are: a brief look into my past, my history, my journey and "caveat emptor".

1 comment

  1. Matthew says:

    Haha! The same thing happened to me – some “fraud detection” meant I needed new cards. I got: “Your visa PIN will be sent separately”. “Your visa PIN will be the same as this one”. So what’s the bloomin’ point?

    Now, I’ve changed the PIN on my American Express card at an ATM, and I’m wondering if that’s changed the PIN on my visa card or not. I don’t want to use my Visa card in a machine and use the wrong pin, only for them to cancel the cards because of Fraud and I have to go through the damn rigmarole again!

gamy-dance
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