Verified by Visa password has to be renewed every 30 days

A question about : Verified by Visa password has to be renewed every 30 days

Having had another run in with Barclaycard over its Verified by Visa password checking system, I have now been advised by the BC internet team that the password used for VbV must be changed every 30 days. If it is not, next time you use the card it will be blocked.

Go Figure.

Best answers:

• I think it is a little excessive but unfortunately there are a lot of nasty people out there who make it their life's work try and get access to your account. Banking fraud costs us all millions so anything we can do to stop or limit it has to be a good thing.
  I know it is a pain but if it helps to keep your bank account and credit cards secure I think it is a small price to pay.
• I often use my Barclaycad online and I have never been asked to change the password.
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• Never been required to change the password I use for VbV albeit it's a Mastercard under the Barclaycard umbrella... and that's many years now.
• In my experience, there's no surer way to force people to start writing down passwords than to come up with ridiculous rules like needing to change them every 30 days. It becomes impossible for the layperson to keep track and for many writing down, perhaps in encrypted form, becomes a necessity
• This all seems to be quite recent. It is only in the last year that I have started having this problem of my VfV password being rejected. It is rejected with an error message saying it is because I have not used the card to make a VbV payment for 30 days. (I last used it just over 4 weeks ago to try and buy some cinema tickets and it was rejected for the same reason).
  I use my BC card a lot on amazon and with paypal with no problems but it is automatically linked to them so I do not need to use VbV there. It is only for direct online purchases where VbV password is needed that it is a problem and I probably make no more than one of these per month.
  I spoke to the BC Fraud team who said there was no reason they knew why my card kept getting blocked with VbV and I should talk to their Internet team. So I did and after checking it out, the girl came back and said the 30 day message was a bit misleading as what it actually meant was that the password was the same as when the card was last used which was more than 30 days ago. She said it to be changed every 30 days.
  Never been told that before but I have had the card forever. I think they mean if it has not been used for 30 days since the last use, the password must be changed. So I changed the VbV password, tried the transaction again and it went straight through.
  It only applies to my Barclaycard. The verification may be at their end of the transaction?
• yes it us VIsa Barclaycard.
• Mine's a Barclaycard Visa. I have never been required to change the VbV password.
  I do not make regular use of it online it is often more than 30 days between transactions.
• how often do you use it for online purchases where Vbv is required? If regularly then you probably won't be asked to change it.
  The CSA told me you have to change it every 30 days but I am interpreting that to mean
  if you do not use it for 30 days they deactivate it and place it on hold. You can avoid this by changing the password if you have not used it and that resets the clock. At least that is what I am assuming.
  I am going to try it again in less than 30 days and see what happens.
  Meanwhile can anyone point me in direction of VbV rules for visa ?
• I assume everyone's account is targeted all the time. What I do not understand is why my account seems to have been selected by VbV for particularly zealous fraud checks. As you can see from the replies here the sort of monthly block being enacted on my Barclaycard Visa is by no means universal.
  For the record I would add that I have had a Barclaycard forever, never gone over my limit, always paid on time and never had, to my knowledge, any fraudulent activity on my account. My OH, who can lay claim to none of these, has never once has been asked to prove who he is or had his Barclaycard blocked by VfV. Not once.
  I cannot get any sort of answer, straight or otherwise, over why I am being apparently singled out for special checks. Looking up on the internet, there are other people with the same issue as me.
  I managed to escalate it to a senior manager back in the UK last month and he checked out my account and said my record was perfect and I was their ideal customer and he had no idea why I was being subjected to such stringent checks.
• Close the account and go to a new card provider. VbV and the Mastercard equivalent are garbage! Don't sign up to them. The sign-up protocol is insecure (and annoyingly time-consuming) and the system is designed to protect the bank, not you.
  Of my several credit cards, one doesn't force VbV sign-up when I use it online, so that's the only one I ever use online.
• Found this condition on a US bank which was introducing VbV
  Expiry of Passwords: Your passwords will expire after 30 days of generation if you have not logged in.
• Hasnt VBV changed now, it no longer requires you to input characters from your password, but several different fields of information, some info from the card, some personal details like DOB etc?