19th Mar 2018
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Centrelink Q&A: Security fears after Centrelink scanned bankcards
Author: Janelle Ward
Can Centrelink scan your bankcard?

Ellie is concerned about the security of her credit card after it was copied by Centrelink.

•••

 

Q. Ellie
My husband and I were interviewed randomly by Centrelink. At the end of the interview we were asked for our bank cards, which were placed on a photocopier and copied.

My husband asked where the printed copies would end up and was told that they would be shredded.

As we had been requested to take bank statements and so on to the meeting, I was concerned that our bank cards were being photocopied. Our signatures and full names were on these cards. Obviously, now all our details are on their computers.

I was also under the impression that our cards were our own private property and no one was allowed to copy them. Can you tell me, please, why they would copy these cards and what advantage will it provide? Was it legal for Centrelink to do this?

A. The department conducts review activities from time to time to ensure the right payments are going to the correct recipient.

As a requirement of a review, the department may request documents to verify a person’s identity or financial investments.

The department uses a list of approved identity documents, and this includes current ATM, debit or credit cards showing the cardholder’s name and signature. Bank statements may also be requested to verify investments.

Documents provided as part of the review are scanned to the person’s own Centrelink record, and people can be assured that photocopies obtained during an interview are securely destroyed once the review has been completed.

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    COMMENTS

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    petes2506
    19th Mar 2018
    10:32am
    To avoid scammers and having my credit card details stolen or sold by traders, I report my credit card as being lost every18 mths to 2 years. This invalidates any details that have been stored but I have to advise the direct debit holders of the change.
    Cowboy Jim
    19th Mar 2018
    10:37am
    Just before hitting 65 years of age I applied for the age pension and I had to provide all statements from various financial institutions but never was I asked for the physical cards
    for photocopying just the account statements. I think Ellie is right to be concerned about their plastic cards having been copied. The owner of these cards is the financial issuer not the holder anyway, same as the driver's licence and passport belongs to the State or Fed Govt.
    BAT
    19th Mar 2018
    11:05am
    Anything scanned/copied on a photocopier is stored on the machines hard drive so if the machine is sold or upgraded the hard drive needs to be wiped of all info.
    HS
    19th Mar 2018
    4:59pm
    But, of course they don't.
    PlanB
    19th Mar 2018
    11:51am
    I would be notifying the Bank about what was done with your cards and make a note of the date which it was done also.
    I do not like the sound of that at all.
    missmarple
    19th Mar 2018
    4:49pm
    more to the point PlanB I would be contacting my bank and have current cards canx and apply for new ones
    Greg
    19th Mar 2018
    5:03pm
    missmarple Get out in the real world - photocopying I/D documents happens regularly for a range of services like motels, rental cars, hire companies, phone plans, etc, etc. I know it's a big bad world out there but the banks are very keen for us to use these credit cards and are very responsive to frauds to keep the customers happy.
    Nan Norma
    19th Mar 2018
    12:00pm
    Would it help to cancel your card and get a new one? Although you would have to advise centrelink of the new card at least they wouldn't have a copy.
    Cowboy Jim
    19th Mar 2018
    12:09pm
    No need to inform C/Link about a new card, Nan. All they want to know is the account number and what's deposited in it That is why I cannot understand why they wanted to copy the cards in the first place.
    PlanB
    19th Mar 2018
    12:12pm
    Did they copy any Credit Cards Ellie????
    KEVINJ
    19th Mar 2018
    1:13pm
    "Centre linK" Photo Copying CREDIT Cards -Same as Copying Drivg Licences, since 1,970's, is a JAIL-ABLE Offence.. Some-one In ""POWER CORRUPT-E D"" CENTRE-LINK needs to Go to JAIL. So the VICTMS need to, Persue THIS, CORRUPT-LY "ADVISED", ACT, -mis-led FROM Some RAT-BAG, with, a "SWELLED" HEAD. PERSUE, Via H. Office, CANBerra.- ADDRess 6 "BOSSES", There.
    Polly Esther
    19th Mar 2018
    1:20pm
    read you loud and clear KEVINJ. what you say is spot on.
    Kee
    19th Mar 2018
    7:24pm
    Kevinj your posts are weird kee
    Greg
    19th Mar 2018
    2:19pm
    Wow you people are so paranoid about your credit cards. If crims want card numbers they'll get them one way or another. If any transactions are frauds on your accounts the banks will reimburse you within days. Just relax, use your cards freely knowing the convenience they provide. I've had a couple of frauds on credit cards, the bank called me about them and the cards stopped and money back into my account two days later. New cards arrived three days after being stopped.
    Sundays
    19th Mar 2018
    2:45pm
    I agree Greg. My credit card number was used fraudulently overseas without it ever leaving my wallet in Australia. Bank advised me, crims use software to generate real card numbers. all fixed quickly. As the answer given stated, Centrelink used the information to verify identity. Identity documents including certified copies of drivers licences or passports are often required in financial dealings.
    KEVINJ
    19th Mar 2018
    2:43pm
    Don'T Need to SUFFER Frauds on C Cs. LEgiSlate to Force the *MongreL *SupplieRs WHO along with (*XXX), FORCED "C Cs" on us.. "FORCE *Them" to, spend MILLIOns OR, Billions, to stop It. - PUT out a "Cease & Desist" Tradg, on the MongreLs, At Certain Date, I F, prob NOT, - solved. SoftWare can DO, - ANY-THING.. BANK EXECU LOONYS, just Cause US, STRESS, while THEIVG From US, -Every DAY, With, - AUStralian GOV-T SANCTION.
    Lighten up
    25th Mar 2018
    5:53pm
    Hey KevinJ. I hope you don't think like you type.
    Nan Norma
    19th Mar 2018
    3:05pm
    I'm getting less than 1.65 % on my savings but centrelink deems me 3.50 % that's stealing.
    PlanB
    20th Mar 2018
    7:10am
    Yes Nana -- and they have been doing that for about 3 years -- I have rung/emailed/and written and never had one reply-- best for as many as possible to get onto these robbers and demand it is lowered
    McDaddy
    20th Mar 2018
    9:55am
    Hey Plan B I am curious, who did you write to and not receive a reply?
    PlanB
    20th Mar 2018
    10:23am
    It was Chris Porter at the time he now has a new Portfolio -- I THINK it might be this bloke now ?

    https://www.mhs.gov.au/contact
    McDaddy
    21st Mar 2018
    10:35am
    How come you only getting 1.65% return? Is the deeming reducing your Pension?
    KEVINJ
    19th Mar 2018
    3:26pm
    "CENTRE--LINK"' was Always a STEALER, with J. HOWARD' S - ETC, FED GOVT SANCTIONS. -WE NeeD 1 MILLION POSTERS, Of V HIGH CALIBRE, To Enter ALL the Conning "Centr-Link" has Made, - Decent PPL, - Suffer.- &, there I S, ALWAYS, MORE, "Coming, SOON".. A way to Stop them, wantg to "S E E" you, i s, FOR, EVERY CLIENT, to TELL them,- at a SIT down, "in Office" Inter-view, "U, are, an EXPERT, -on GOV-T CORRUPTION".. I t can be the end of Inter-view &, -End of them Callg U, in to HARRASS YOU. 1 MILLION of these &, they WOULD have to Change. -Some, WHO Would HATE, Workg There, would CEASE, Fearing, they were going To, Get "CAUGHT, Out", - by Computer " TRAILS ". &, branded a CORRUPT Worker.
    HS
    19th Mar 2018
    4:58pm
    "As a requirement of a review, the department may request documents to verify a person’s identity or financial investments."
    'First of all, a medicare card ,an identity card, passport or driver licence will suffice to verify person's identity.
    Secondly, a credit card is not proof of "financial investments". Nor proof of identity. A credit card, if it had been used, is a Debt not an investment or if not used, a potential debt. It should never have been asked for...unless Centrelink is now counting personal debts to offset the Income and Asset Test...ha,ha,ha,,,pigs may fly.
    An EFTPOS Card may be proof of identity but it's not as good as the bank statements.
    Kato
    19th Mar 2018
    6:47pm
    Sorry to tell you but centre link deems credit cards as assets .
    HS
    19th Mar 2018
    8:31pm
    Giving your credit card and its details to include photo copying of the credit card to other than to an approved credit card supplier's vendor might be in breach of the agreement with the credit provider.
    If, the photostat copy of the credit card and / or its details was used fraudulently to acquire goods or cash by a fraudster( eg: on Internet) then the credit card provider may refuse to compensate the victim for the amount of fraud because the credit card holder willingly gave away the credit card details to third party and thereby jeopardised the security of the card vested with the card holder.
    HS
    19th Mar 2018
    10:19pm
    Kato,
    A Visa card is a credit card and will be assessed as an asset for Centrelink purposes only if the card has a positive balance.
    Cards that have been prepaid are a financial asset, as the available balance can be used to purchase goods in the same way that cash can.
    The credit limit liability itself is not assessed as an asset, only the positive balance, which would also be subject to deeming. For example, if you make a payment of $2000 to your credit card and it has no debit balance, which means you have available credit of $17,000, then the $2000 will be assessed as a financial asset and subject to deeming, the $15,000 will not.

    A similar principle is applied to lines of credit. A line of credit is a loan secured against a customer's asset, usually the principal home. The approved funds are available to the customer to access. For Centrelink purposes, only an account with a positive balance can be assessed as an asset and subject to deeming.

    Typically a line of credit account has a negative or zero balance and is not an assessable asset nor deemed for income purposes. If you withdraw money for a holiday and place it into an account with a positive balance, it would count as a financial asset and deemed to earn interest until withdrawn and the holiday is paid for.

    Therefore, any liability with a zero or negative balance is not classed as an asset.

    Age Pension | Your retirement and the Age Pension > When is a liability an asset?
    19th Jun 2017 Debbie McTaggart
    https://www.yourlifechoices.com.au/age-pension/age-pension-guide/when-is-a-liability-an-asset
    Greg
    20th Mar 2018
    6:16pm
    Kato - garbage, CCs are not assets unless you have deposit funds in them. CCs are a loan by the bank which has to be paid back - can't be an asset.
    VeryCaringBigBear
    19th Mar 2018
    5:01pm
    I change my banks accounts and cards every 2 years and sometimes sooner. It creates issues with direct debits etc but that's not my problem.
    Greg
    19th Mar 2018
    9:13pm
    VeryCaringBigBear direct debits aren't your problem? Actually they are your problem, you change accounts YOU have to set-up your direct debits again.

    Can't see the point of changing accounts/cards every two years - you could get a new card today and next month have a fraud. That's the reason cards have expiry dates on them, it stops fraud past the expiry date.
    VeryCaringBigBear
    20th Mar 2018
    5:20pm
    Nope I change everything every 2 years or sooner. Direct debits no longer work so it is the merchant who has to contact me to fix. I certainly don't worry about contacting them.
    KEVINJ
    19th Mar 2018
    5:50pm
    H S POSTED, Following KEVINJ :- TO WIT :- re the COUPLE's 4 cR CARDS, - should NEVER have been Asked For UN-QUOTE. & AS KEVIN J Said:- - let ALONE, I L- legally PHOTO COPIED.. See How "CenTre-LinK" is Just LIKE, any "LINK",- IN a BIKE Chain. ONLY as strong AS, I T s weakest - L I N K. A Human OR, An U N-Train-ED Human.. CAUSG U N- NEC, CORRUPTLY Generated, STRESS .. SO How is The - then VICTIM, COMPensated ??? WHICH should Be, ImmeDiaTeLy. "CenTre--LINK"" is Same AS TAX OFFICE.. MISTAKES "DEP-T".
    Nan Norma
    19th Mar 2018
    9:32pm
    I suppose the people to are the banks. See what they think about it.
    KEVINJ
    30th Mar 2018
    9:46am
    "LIGHTEN UP" POSTED, R E-- KEVIN J :--Hey KevinJ. I hope you don't think, Like, you type. YES, "LIGHTEN U P", - "F Y I", if -U, R, Still here ? ? - I DO Think, LIKE I, type.. 1 ST, the FORMAT, we HAVE TO type IN, makes it V DIFFIC &, FRUSTRATING, TO MAKE A TRULY CLEAR, RECORD.. BUT, I ADD, FOR, U :--- PLS READ, ON LINE, "AUStralia 2000 WHAT WILL WE TELL OUR CHILDREN" - in PDF.. Then come Back &, damn well, APOLOGISE.. U May not have the stomach, 4 the Above, 250 PG book ? ? - BUT, at least-- LOOK.. Then look up
    ""S E R C O"".. & U will Know, "" Y"", i DO, think, - LIKE, I. - TYPE !!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!
    PlanB
    30th Mar 2018
    10:09am
    IS it here KEVINJ?

    https://www.google.com.au/search?q=AUStralia+2000+WHAT+WILL+WE+TELL+OUR+CHILDREN%22&ie=utf-8&oe=utf-8&client=firefox-b&gfe_rd=cr&dcr=0&ei=QXG9Wp2QMIPp8we4iZzwBQ

    and here?

    https://www.google.com.au/search?q=S+E+R+C+O&ie=utf-8&oe=utf-8&client=firefox-b&gfe_rd=cr&dcr=0&ei=p3C9WpjMA4Pp8we4iZzwBQ


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