Thursday, November 16, 2006

A bit of security

Renu had just moved in to Bangalore to join her new job. These days, the first thing one would do after shifting her location is to get a cell phone connection; even before finding a house to settle in. Thank God, most of the service providers gave out corporate connections which made the task of getting a new connection much easier. Also the corporate connection would save her from giving huge deposits to activate STD facility to call back home and a company letter to surrogate local address proof.

The company had a representative of a famous mobile phone service provider visiting their campus every afternoon to assist people take new connections. Renu was more than happy when she came to know about this. The very next day she joined her company Renu went and saw the sales representative and enquired about the formalities of taking a new connection.

The ever obliging sales guy replied with a pleasant smile on his face. “Madam, please give me your passport size photograph, a copy of your company ID card, a photo copy of your credit card; both sides, a cancelled check leaf of your salary account, your address proof or company letter and your pay slip. Your connection will be activated tomorrow itself.”

‘Hey, isn’t he asking a bit too much of a requirement? Especially copy of both sides of my credit card and a cancelled check leaf of my salary account! Anyone who is seeing the copy of my credit card can note down the card number and the CVV number and do online transactions using that and in the check leaf, my account number and bank name are there, which are like confidential information. Also you don’t know who all see these photocopies.’ Having thought about this, she decided to ask the sales guy.

“Why do you want copies of both sides of my credit card and a cancelled check leaf?”

“Those are required madam.”

“But why? They are confidential information and can’t be shared.”

The sales guy’s face started to change. Bit annoyed, he handed over one pamphlet to Renu. He also showed a few photocopies of both sides of credit card given by some employees of her company. Some of them haven’t even darkened the CVV number on the back side of their credit card!

The following were written under various plans offered by the provider.

Documents Required
1. One passport size photograph
2. A photocopy of the ID card
3. Photocopy of the credit card for SI (both side) OR cancelled check leaf for ECS
4. Local address proof or company letter
5. Pay slip photocopy for STD, ISD and Roaming facilities

She started asking doubts one by one and that’s when things started to unfold.

Credit card photocopy shall be asked when one wants her bill to be credited to her credit card and it also serves the purpose of signature verification. Whereas a cancelled check leaf shall be asked when one wants to enable auto debit of her bills from her bank account and it also serves the purpose of signature verification. By having these details, the cell phone service providers mitigate the risk. On inquiring further, she got to know that the signature verification can be done by giving photocopies of her driving license or passport. By not choosing her bill to be auto debited from her account or credited to her credit card and with a refundable deposit of Rs. 400 she can even do away with the cancelled check and photocopies of credit card!

She gave one passport size photo, a photocopy of her ID card, a photo copy of her license, a company letter as she hasn’t taken a house yet and a deposit of Rs. 400 to take the connection. She gave a copy of her offer letter in lieu of salary slip. She wondered what she would do with those people who have already submitted their credit card and bank account details.

Most of the times, we just need to inquire a bit more.


quills said...

Interesting post! And you are so right! No question is ever a silly or ignorant question. We should always ask if we want to know.

This would come in handy for me I am sure. :)


Anonymous said...

My friend was going thru the same dilemma, am gonna show her your post! Thanks for sharing this info.

venus said...

They should just rely on PAN instead of asking for pic, address proof etc, which is similar to Social Security # in US.

Praveen said...

you are right! this is too many documents to produce for a mobile connection

flaashgordon said...

Good one...It is better to be safe than sorry !!
It is really a risk to give out credit card details like that .However, i guess we do subject ourselves to the same risk when we pay in a restaurant - the waiter takes the card and brings it back aftr charging- he can easily note down the details while doing so ;-) ! Mebbe its that many SW enggs opt for autodebit ; so the mobile co:s want to save trouble they have a common process 4 all

(ps: who is Renu?? ;-)))

Sreejith Narayanan said...

They ask for all these things.. :)

As a matter of fact, they asked me for signed blank cheques for loan security for a bike. I refused to give, and it took quite a long time for the loan to get sanctioned.I asked them why do they want blank cheque, but never did they give a satisfactory explanation.

Anonymous said...

Will let ppl know this...

>|' ; '| said...

this was very very very helpful :)

illusion said...

Aisa ho gaya!!!

Anonymous said...

I took the easyway..Opted for a prepaid connection for which just licencse copy and couple of photographs are needed :)

Anonymous said...

no new posts?? Surabhi :)

quills said...

Hope you are having a great time this wonderful Christmas season with your family and friends. Wishing you a fabulous New Year too and hope all your dreams come true.!

lost optimist..^!^ said...

hi!droppin by after a very long time. very informative post. thanks for sharing it:).. hope ur having a wonderful year.. ciao

BaKfIrE said...

They keep a cheque leaf if the ECS fails but credit card requirement! i dont know about why the heck do they need it.

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