Dr Finch also reported that the M.O. of card fraudsters had changed, they are now following people into shops and getting hold of their PINs first before they target their cards. Get a genuine PIN and using a genuine or cloned card and bingo! Crooks are never challenged when using a PIN at a cash point!
"If you forget your PIN, many retailers still let you sign. But this option will end, unless you have a disability that stops you from using a PIN." WHICH? September 2005.
OR use T&Cs to get a Chip & Signature Card, here's how:
My bank decided that it would prefer to give me a Chip & Signature credit card rather than have me comply with their T&C on the Chip & PIN card.
The terms of the C&P card required "cardholders to notify the bank immediately the cardholder suspected anyone else knew their PIN" - the banks words not mine. I pointed out that everytime I used the card in a store I must suspect that someone knew my PIN (shop assistant, customer behind, CCTV camera operator). Even if I shielded my PIN I could not be sure nobody knew. Therefore I was duty bound to call them and advise them of my suspicion and they could take what action they deemed necessary.
The T&C did not specify what action they would take and I would not insist on any. When they told me that the automatic action they would take was to cancel the card and re-issue it, the penny then dropped with the bank that they could either issue me 50 plus cards a year or issue a C&S card.
The thing I found interesting was the bank commenting that they didn't expect people to read the T&Cs. I wonder why.