@samdavies my bank has said its a new thing due to more being stolen in post has become a more of a thing.
so from now on debit cards will be done like this i was told.
and this is one of the big 6 in the uk
to be fair i had two credit cards changed up earlier in year i misplaced a wallet and they where used within stores first before any online thing.
but some charges i do abroad my bank app for the credit cards need sometimes approvals using the app
so security is getting tighter to avoid fraud/scammers