Some time ago, I was unable to use my HSBC credit card for online transactions. Most of the websites declined my card saying "Verified by Visa" denied the transaction. I was frustrated and did some googling. I found that "Verified by Visa" is a service which adds an extra layer of security. So what kind of security it offers? It goes like, the card holders should enroll their card number into this program, and the concerned bank/card issuer will send you a digital device which generates a random number. So whenever you try to make an online payment, if you select VISA and if the seller has enabled Verified By Visa for his shopping engine.. then you have to enter your card number, expiry date, name on card etc and after that you should type the random number displayed in your electronic device and then, a secret answer to a secret question. That's one whole stupid process. Many times my HSBC VBV never works, even though I reset my VBV secret question. Everythin...