Frequently Asked Questions |
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Why should I register? |
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Managing a wallet full of cards is a major responsibility! Registering takes the hassle out of managing your cards. It's easy to maintain your card list online, and communication with a card issuer is triggered by the click of a mouse.
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Which cards may I register? |
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All of your cards! That includes credit and debit cards, ID cards, membership cards, insurance cards... virtually any card you carry in your wallet.
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Must I register my cards before utilizing one of the services? |
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Yes. You must register at least one card to utilise any of the services. It will be more convenient to pre-register all of your cards, but you may also register additional cards at the time service is requested.
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What if I register a card you have not heard of? |
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In that event, we will ask you for some basic details about the card issuer when the card is registered. Cards are our business, so we don’t expect this to be a common occurrence.
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May I register cards of my spouse or other family members? |
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Certainly! A place is provided for you to enter an alternate first name for any card registered.
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May I register cards that have a different billing address? (e.g. company/business cards) |
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Yes. A place is provided for you to enter an alternate address for any card registered.
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If I have informed my card issuers directly of a loss or change of address, will they notify you? |
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No. Card issuers will not notify usSM of reports or changes you make directly with them.
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Will you keep a record of the different times I use your service? |
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Yes. We will keep an archive of your use of the service for a minimum of two years, and you can view that service history record at any time if you are a user with unlimited access. One time users of the service are provided with an email confirmation of the service.
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Can my partner or spouse have their own membership? |
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Yes, but they will have to register as a separate member and pay their own fee.
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How quickly will my cards be replaced after I have reported their loss? |
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The re-issue of cards is in the hands of the issuer and while they all take immediate notice of the loss reports, the speed at which they send out new cards will vary from 24 hours to 21 days.
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How can I get my lost cards replaced faster than the card issuers normally issue them? (e.g. in an emergency) |
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While we can report all your cards lost, we cannot influence the response of your card issuers. If you need a replacement in a hurry we suggest that, after having reported all your cards, you speak directly to the card issuer from whom you need the urgent card replacement.
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| Q: |
How secure is your website? |
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We take security of your data seriously. We use Secure Socket Layers (SSL, the industry standard) and the best software and hardware security solutions available today. All of your personal information -- including name, address and card numbers -- is encrypted so that information cannot be read as it travels over the Internet. Frankly, your information is more secure on our secure server than it is in a typical office environment. If your web browser does NOT support the SSL certificate, you will be informed of this when you try to enter a secure area of the web site. Also, our web site and computer networks are protected by firewalls. Firewalls are a combination of hardware and software designed to protect your data from hacking and malicious attacks.
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How do you ensure no one else has access to my information? |
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In addition to having state-of-the-art software and hardware to protect the data registered with us (see previous question), your file is password protected. For unlimited access users, you alone have control over your password, and can change it as often as you like. Also, as an international company, we adhere strictly to the provisions of the 1998 Data Protection Act.
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Is there any way I can know for sure my information is encrypted? |
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Your browser will tell you. Both Netscape and Internet Explorer browsers display an icon at the bottom of the screen indicating that you are at a secure site.
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How do you notify card issuers? |
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Card issuers are notified via e-mail, fax, telex, phone or letter. Many times one method is preferred by a particular card issuer.
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What is the liability for fraudulent use of a credit card? |
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In the US, the Fair Credit Billing Act limits liability for unauthorized transactions in most cases to $50. In the UK, liability is limited under the Consumer Credit Act to £50. In some cases, card issuers will have a lower limit. You should refer to the card issuers' terms and conditions of use for further information.This limit does not apply if the cardholder acts fraudulently or with gross negligence, including disclosure of the cardholder's PIN number.
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What if I forget my access password for my file? |
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There is a secure way in which you can gain entry simply by entering a few personal security details. If answered correctly, you will then be granted access to the site where you can change your user name and/or password. You should protect your user name and password at all times. You will not be asked for this information by our employees.
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Do I need to file a police report if my cards are lost or stolen? |
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Filing a police report is not mandatory, although most issuers prefer it, especially in the case of a theft.
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| Q: |
Is there a charge for copy statements? |
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Some issuers may charge a nominal fee for a copy statement. Please keep this in mind when using this service.
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| Q: |
The same number was issued on my replacement card after I reported my cards lost. Why? |
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Depending on the circumstances, some issuers will reissue the same number. Whether you are reissued the same number or a new number, you should monitor your statements for any charges that might be fraudulent after a loss has occurred.
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How do I register cards that are in two names? |
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You can either register the card twice, once under each name, or you can register the card once and include both names, i.e. Robert/Mary Smith.
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Mighty Net, Inc. Product