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Verified By Visa - Frequently Asked Questions
What is the Verified by Visa service? Verified by Visa is a service designed to ensure you are protected while shopping online with your Visa card. How does Verified by Visa work? As you make a purchase online, Coastline Credit Union assesses the risk of the transaction based on a number of factors. In some instances, you may be asked to confirm some personal details. Will I need to apply for a new card to use Verified by Visa? No. We will register your card for Verified by Visa on your behalf, so you'll automatically be protected. All cardholders are automatically enrolled in the Verified by Visa program, so you have this extra level of protection straight away. I never shop online – do I still need to join? Yes. Even if you never shop online this service will make it harder for anyone who obtains your card details fraudulently to use your card to buy goods online. Will I require a username and password for the Verified by Visa service? The Verified by Visa system is simple because you don’t have to remember usernames and passwords – you will be automatically registered and protected. If your card is new, Coastline Credit Union will register the card before we issue it to you. With existing cards, Coastline Credit Union will take care of registering it as part of the Verified by Visa service. Why would I be asked to confirm personal details and is this safe? Each time you make an online purchase, Coastline Credit Union assesses the risk level of the transaction – certain activity may seem out of the ordinary, maybe because it’s a high dollar value, or a retailer you’ve never bought with before. If Coastline Credit Union is concerned a transaction may be fraudulent, it will prompt you to confirm your identity, and you will be requested to enter some personal details unique to your account with us. If the transaction is considered high risk, you may be required to confirm several details before the transaction is approved. Will my account be billed for Verified by Visa purchases? Your Verified by Visa purchases will appear as normal purchases on your statement, under the name of the 'merchant' - that is, the company from which you made your purchase. How much does Verified by Visa cost? This additional security benefit is provided to you free of charge. What browser do I need to use for Verified by Visa? Verified by Visa requires Microsoft Internet Explorer version 5.5 and above, Netscape Navigator 7.1 and above, Firefox or Safari. Can I use Verified by Visa from any computer? Yes, you can use Verified by Visa from any computer connected to the internet, with a compatible browser, as outlined above. When shopping online why don’t I get questioned every time? Each transaction is assessed against a range of different criteria. This may mean that on some occasions a purchase is done without the need to seek further verification from you as the cardholder, however in other instances we may need you to answer some questions to help with the verification. In any case whenever you shop online you should be prepared to answer some questions to help in the protection service for online shopping. How Can I Get Further Information? For further information call us on 1300 36 1066 |
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