And the banks claim their systems are infallible.

Whenever a card user challenges a banks statements veracity, the banks regard the complainant with utter disdain and as some deranged inmate from the local 'fruit and nut' centre.

Yet we continually read of these technically gifted alleged criminals who bleed the system in a well publicised history of their exploits.

There seems to be a 'disconnect' between the banks and reality and we, the customers, get taken by the banks denial as well as added costs of using cards because of this fraud.