Chip and PIN - Any C&S cards refused yet?

I've been pleasantly surprised to have experienced no problems. :-)

"Ignore all the guff on the TV, just do what the machine tells you to do!"

"OK, boss"

Best Regards, Alex.

Fair enoug, I got the impression from reading on here that the Banks are reluctant to give them out.

I prefer PINs as it is much quicker - I think the major safety failing is that someone may mug you and beat you til you give up the PIN - then they can just goto a cashmachine - rather than the hassle of having to sign for soemthing in a shop (though i realise the same could have happened before - it might become more common as the old stealing the card and faking a sig may not be as common now)

Bitstring , from the wonderful person Gordon said

I love the way they always ask me if I need a VAT receipt .. apparently quite a few people =don't= pay for their own petrol!

Lloyds TSB have refused to supply a PIN on the basis that there are more than two cardholders.

They are quite happy to keep sending Chip & Sig cards.

And I am still trying to work out how I was double-charged on a Chip & Sig.

Flop

ps no problems so far.

GSV Three Minds in a Can wrote

That pisses me off too! I take the receipts though, to check the litres v mileage.

When I use my Chip and Signature card, and the machine prints out a slip for me to sign, this sometimes confuses the cashier and they cancel the transaction and do it all again! Perhaps they didn't cancel the first attempt.

It angers me when this happens, as although they have cancelled the transaction, the authorisation is still there and this effects the balance available to spend and I live on a very tight budget.

I haven't had any real problems, but a couple of cashiers have called the supervisor as they have been confused as to why a signature sluip has been printed.

I went into a branch of HSBC to draw out some cash with my cheque book yesterday. The cashier asked me why I had queued up when I could have used the ATM. I told her that my card was Chip and Signature and she insisted my card was Chip and PIN, even asking her colleagues. How they could tell just by looking at the card I have no idea!

She checked on the computer and told me the proper name for my card was "Chip no PIN" - she was about to order me a Chip and PIN card, thinking that she was doing me a favour! I insisted that I wanted to keep my existing "Chip no PIN" card.

At least you know the card co. won't be able to comply with your demand that they show you two genuine signed auths.

But what is the equivalent recourse available to someone who is double charged on a Chip and PIN?

In Norway, where the brand new concept of 'Chip and PIN' has been around for as long as I can remember (think I got my first bank account in 1993), the 'fallback' if the terminal is offline is that the customer approves the transaction by signature.

In this scenario it is normally also required that the customer provides ID, however I guess this is at the retailer's discretion. Have never experienced being turned away if I didn't have ID.

Mind you, in Norway, the Chip and PIN card itself contains a laminated photo and various codes, hence if you have your card you also have ID that is recognised everywhere... Now there's an idea!

At 20:24:23 on 19/02/2006, Colin Forrester delighted uk.finance by announcing:

Were you not asked for ID?

Nope - on no occasion was I asked to produce any form of ID (which is how it usually is for me - I am a clean looking, middle aged, white male :-) ). As I said the swiping of the card seems to be the deciding factor. In fact is it not uncommon to give the card to the cashier, it is swiped, have it returned to you and then you are asked to sign.

The only time I have to produce ID is at immigration (Passport) and car hire (Passport for the photo and my old driving licence).

At 18:02:25 on 22/02/2006, Colin Forrester delighted uk.finance by announcing:

In my experience they ask for ID rather than checking the signature against the back of the card. In fact, once they've swiped the card and seen ID they tend to give me the card straight back before I've even signed.

In article , Alex writes

Have you proof of ID?

Yes, I brought my signature with me . . . .

At 11:16:02 on 23/02/2006, fred delighted uk.finance by announcing:

How does that prove your ID?

It doesn't of course - anymore than a passport does. After all if a passport was acceptable proof of ID we would not be planning ID cards would we? When we all carry ID cards (for example like the Spanish) then fraud and terrorism will be a thing of the past - apparently.

At 12:16:47 on 23/02/2006, Colin Forrester delighted uk.finance by announcing:

Why not? Does everybody need/want/have a passport?

""Why not? Does everybody need/want/have a passport? ""

Especially when there is a more effective means of protecting yourself from ID Theft, which doesn't rely on numbers or passwords which you forget or can be compromised, central dababases of biometrics, expensive equipment everywhere to check the validity of ID type documents.

Here's how:

The Simple Way to Foil Identity Theft, from TechWorld:

In article , Alex writes

If it matches the one on my chip & signature card then it's a good start.

At 13:14:02 on 23/02/2006, fred delighted uk.finance by announcing:

Well, not really. That just proves you can reproduce a particular pattern.

Not mention that if my identity *is* stolen surely the person who steals my identity can put their fingerprint on record as the 'right' one.