Asda in potential Equality Law breach says Which?Consumer refused chip and sign credit card option

30 April 2011

Asda Logo 1

Asda credit card chip and signature problem

Asda Financial Services may have breached the Equality Act by refusing a disabled customer a chip and signature credit card, according to Which? experts.

Which? reader Adrian Butters contacted Asda when his existing chip and signature credit card expired. He was refused a replacement and was told that MasterCard, the card issuer, forbade chip and signature cards. MasterCard refuted this claim.

According to the regulations covering payment cards, providers should offer alternatives to chip and Pin where customers have difficulties using a Pin. Which? legal experts also believe that by disadvantaging Adrian, the Equality Act 2010 may have been breached.

Following intervention from Which?, Asda admitted its advice had been incorrect and agreed to issue Adrian with a new signature card. It said in a statement: 'It is possible for his account to be set to the signature option. Our service in this instance wasn't good enough and for that we can only apologise.' Asda also gave Adrian £50 compensation.

  • If you've been treated unfairly by your credit card provider, let us know by email. For more details of your wider consumer rights, read the Which? guide Your rights when paying by credit card.
pound coins

Which? Money when you need it

You can follow @WhichMoney on Twitter to keep up-to-date with our Best Rates and Recommended Provider product and service reviews.

Sign up for the latest money news, best rates and recommended providers in your newsletter every Friday.

Or for money-saving tips, and news of how what's going on in the world of finance affects you, join Melanie Dowding and James Daley for the Which? Money weekly money podcast

For daily consumer news, subscribe to the Which? news RSS feed here. And to find out how we work for you on money issues, visit our personal finance campaigns pages.