When I click on 'deposit' my credit card number is stored so all I need to do is type in a 3 digit security code and the amount. This makes me uneasy even though a hacker would still require my security code (albeit only a 3 digit code). I emailed FT to ask that the credit card number be removed and they responded;

"Unfortunately, as previously mentioned, we are unable to erase this information. We apologize for any inconvenience this may cause. We can understand your uneasiness at having this information stored automatically. However, as your account is password-protected, there should be no unauthorized transactions."

Anyway, I really didn't want my bank details to be stored so I requested they close my account... 3 months later and I decide I want to have my account back so I email them and they re open it which I thought was odd as I requested it to be indefinetly removed from the database.

The credit card was STILL stored! So I email them again and say if I close my account I want it to be indefinetly closed and my credit card details removed. Apparently this is a no no.

Sorry to waffle but in summary my question is; Do I have any right to demand my credit card details be removed from the database or at least not stored for easy access and account indefinetly closed or is it within their rights to deny my request?

Not to assume that you haven't considered this, but is this credit card information stored on their servers, or locally on your computer? If it's stored locally on your computer and you reinstalled FT on the same computer 3 months later, I'd expect it to still pop up for you when you go to deposit, and it would not be the case that FT kept your CC info after you closed your account.

You don't own your credit card information, they can store it as they please.

If you use your credit card at WalMart and then tell them you're never shopping there and to please erase your account details what do you think will happen?

Just tell your credit card compay that you lost that credit card. They will obviously send you a new one with a different number. The info stored on FT won't matter as it will not be correct. Problem solved.

At FT all a hacker/ imposter needs is the security code.

I would actually expect WalMart remove my personal information (especially credit card) indefinetly if I requested. Wouldn't you?

It is stored on their server.

This is a good idea. I think I will do this and self-exclude myself for a 2 years or something.

Still, it is the principle that matters. I don't like the idea that FT can indefinetly store my credit card details against my requests.

No.

Places like that have to keep it for audit reasons

I think OP has an excellent point and whether FT has a "right" do this or not (I suspect in most countries they don't), this is extremely poor business practise imo.

For audit purposes??? I can't see any way this is true. Your standard B&M store gets your CC info for the transaction, and then it's gone. They don't have it after the fact, they don't need it after the fact, nor should they.

Nope. Worked for a store. Its stored in their computers for a total of 2 years I believe. Its stored in case of charge back requests I'm assuming.

zasta - Why would you need to self-exclude yourself? I don't see what that accomplishes.
You can just get a new card.
And you now know to be careful about any cards you use to deposit since FT seems to be pretty uncooperative about this.

brilliant


to OP, are you seriously that worried? why? if your info is stolen, then i say this is predominantly about a family issue you have but don't want to mention.

anyways, kazuma's solution fixes any problems you could have.

Absolutely incorrect, I've done the bookkeeping for stores. I'm not saying it's not possible that some stores do this, but there is absolutely no need for them to do so. When there is a chargeback at a store, what the CC company requires is the transaction slip with the physical signature.

There are plenty of stores that have a CC terminal and no computerized point-of-sale system, just a cash register. Those terminals do not typically store the CC numbers, and any transactions they keep have only a masked version of the CC number. The first 4 and last 4 numbers are displayed, nothing else.

Good enough for me. I worked mostly with the back end type things and the entire account numbers + exp dates were stored there for every transaction for two years. Assumed this to be standard.

Yeah thats true. I guess I would only need to do one or the other- I think I'll opt with just ordering a new credit card.

I'll edit my address with jibberish and request the account be closed even though they will refuse to close it indefinetly.

However, as stated when you request to have your account closed- they don't. I emailed them 4 months after closing it and an hour later I had my account back. If I have closed an account I would like to be safe in the knowledge that no one will be able to get into it. They honour self-exclusions so then at least I know that for a year or two no one can get on my account. They should have honoured my request to have the account indefinetly closed but whatever.

On Pokerstars I have to type out my credit card number every time- I don't see why FT can't enable this option.

FYP

I'm really kind of shocked by the reactions so far. Now don't get me wrong, I'm not one of those big privacy guys...I'm pretty laissez-faire for the most part, probably too much so. CC numbers I don't worry about too much since you have a fair bit of protection, ability to dispute, etc.

That being said, this just seems like an asinine response from FT. gt may be right, there might be a lot of retailers that store this info for a couple of years, whether they need to or not. I run a small company that supplies retailers with debit/credit card terminals, and there's no way they provide that kind of storage to the retailer, and this doesn't cause a problem for them. So perhaps some retailers keep this info, but they don't need to AFAIK.

However, even if they do store the information, I think what FT is doing is a totally different thing. Storing CC information tied to a transaction for a fixed amount of time, is one thing, but storing CC information tied to a login in perpetuity is ridiculous. Any online retailer I've dealt with that allows you to store your CC info for future transactions also allows you to remove it anytime you like. What if your CC info changes one day? Can FT not change it? Of course they can, and if they can change it, they should also be able to change it to nothing...IE delete it.

I really really could be wrong about this but I could swear that we had this discussion in another thread before and FTPSean or Doug responded and said that the information was not really "stored" in their servers. That if you uninstalled the program and deleted all its trails in the registry (not always automatically deleted) and reinstalled that it would be gone. I'm going to do some searching and see if I can find it. Because I'm thinking that if OP logs into an account where his CC info was never typed then it won't be there.

Yeah hence him being a 'hacker'. Using shared computers with key loggers or whatever means its easy for someone to get your password. Most people don't make deposits/type out their credit card number on shared computers so harder for them to get it. I don't like FT doing their job for them. Not only can they drain my account if they get my password they can drain my bank account too if they guess the 3 digits.

Yes. This is basically my core argument better articulated.

If they still store it but at least dont make the deposit page have the cc number automatically available that would be an improvement.

Also, they should have closed my account indefinetly as I had requested.

I only just re-installed last week. And when I used to use FT before I was in a different country.

I could be wrong about this but on FTP if you have new CC information don't you just add a new card? Being from the US I haven't used a CC to fund my FTP account in years but I still have 2 debit cards from 2 different banks stored in my cashier there.


Edit to clarify: I'm not saying whether or not they can or can't or should or shouldn't delete it. I'm just saying that saying they should be able to in case it changes is not the correct argument.

Fair enough, you might be correct about that. I don't play at FT, so I'm no expert on the matter to be sure.

Why are you always sticking up for full tilt?

EVERY SINGLE ****ING THREAD, you chime in with your fanboy 2 cents that goes completely against any kind of logical common sense.

Comparing Walmart to an online poker room, is a TERRIBLE analogy. It is alot easier to get away with using a stolen credit card on the internet then it is at a brick and mortar store.

He would, if he actually OWNED a credit card. He is probably some 19 year. The kid has no idea how the real world works.