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[cam2502]

Friend of ours has one of these capital one Luma cards.
He's  just been round at mine registering the card online so he can manage his account and make online payments.
As he was making a payment the next page in the process was headed ...Final Security Check, and there was a box asking for his ATM PIN number and below that another box asking for the expiry date of the card.
This sounded very fishy, so he rang capital one, who say this is a 100% secure site and he could type in his PIN number without anyone ever knowing it.
My mate said he wasn't happy about doing this as even his own bank wouldn't ask for his PIN number so he refused to go any further.
He was able to make a payment over the phone and did so.
Has anyone ever heard of this practice?
I always was told never reveal your PIN to anyone and certainly not give it out online.
Any thoughts would be grateful .

[flyer 0712]

Surely that cant be right as you say my bank would not ask me for that....Last year i had an email come through to my ordinary email address and was supposed to be from e bay saying that i needed to update my details.Very strange i thought but continued to look at it and then they asked me for my password,on seeing that i closed it down and contacted ebay who told me that only if it came into my ebay mail should i answer it and even then they would not ask for it....If you friend was asked by this company for those details on line then i.m.o....they must be crap on security....And personally  i would steer clear and do it another way just in case..

[flyer 0712]

Just had a quick look on google and it appears that this Luma card is a branch of Capital One bank..and i think that says it all dosent it......the amount  of complaints already on there about Luma is amazing and would appear i.m.o.best to stay well away...

[plym ian]

Luma card that's the one with quite high interest isn't it?

[biggriffin]

Luma card that's the one with quite high interest isn't it?

nearly like a pay day loan..

[cam2502]

Think it's around the 35% mark.

[TheBoy]

Asking for whole PIN, or just random bits of it?

Whole pin would result in me cutting up card, sending back to them with a note to be careful not to cut themselves as they shove it up...

[markspark]

its far simpler to set up a bank transfer from your current account that way you only need the credit card issuers bank details and a reference number

[aaronjb]

Hold on .. he was paying the Luma card with, presumably, a debit card .. and the site asked for the pin of his debit card (presumably from another bank)?

Sure it wasn't asking for the three digit security code on the back (which is a perfectly legitimate thing to ask for)?

[chrisgixer]

Opps that. Security code on the back is normal, but the 4digit security pin code should NEVER be revealed to anyone.

It's no use to a legitimate financial institution, surely?

[cam2502]

Hold on .. he was paying the Luma card with, presumably, a debit card .. and the site asked for the pin of his debit card (presumably from another bank)?

Sure it wasn't asking for the three digit security code on the back (which is a perfectly legitimate thing to ask for)?

That's it exactly.
The wanted the PIN number from the card he was going to pay the LUMA balance with, which was his Santander card.
It wasnt the 3 digit security numbers on the back of the LUMA card, he thought at first that's what they meant, but the guy on the phone said I was his own personal PIN number that was required.

[Taxi_Driver]

Sometimes when i pay for things over the net using my debit card....the site says your bank requires an additional security check and a page from my bank pops up asking for 3 random letters from my password (not PIN).....funnily enough always happens on National Lottery website (probably because its a gaming site). When i pay my credit card with my debit card over the net, the cc website asks for the 3 digit security code of debit card and thats it!

[Stemo]

Hold on .. he was paying the Luma card with, presumably, a debit card .. and the site asked for the pin of his debit card (presumably from another bank)?

Sure it wasn't asking for the three digit security code on the back (which is a perfectly legitimate thing to ask for)?

That's it exactly.
The wanted the PIN number from the card he was going to pay the LUMA balance with, which was his Santander card.
It wasnt the 3 digit security numbers on the back of the LUMA card, he thought at first that's what they meant, but the guy on the phone said I was his own personal PIN number that was required.

I would be talking to someone in authority about that. I've never heard anything like it.

[plym ian]

Opps that. Security code on the back is normal, but the 4digit security pin code should NEVER be revealed to anyone.

It's no use to a legitimate financial institution, surely?

including swmbo