Chip and pin fraud.

This is probably the most useful:

"john boyle" wrote

John, did you get my email? [About 10.45 this morning.]

And how easy to modify the terminal so that it records all pins entered to a flash drive from which they can be later read? And how would you know if it had been so modified? Would you enter a pin into a terminal handed to you by someone running a grubby market stall? I sure wouldn't!

In message , Tim writes

Just replied!

In message , Jim Hatfield writes

But you would happily give them a permanent original signature for them to keep and practice with?

And I assume you dont let any cashier take hold of your card, so as to prevent them swiping it through their Maplin Card Copier?

Bitstring , from the wonderful person Jim Hatfield said

As I said way back upstream, Capital One did (eventually). You have to claim "Pinophobia" or similar medical grounds for not being able to use C&Pin. If you do, no bank (including your own) is =allowed= to refuse .. although some will issue 'strip & sig' rather than 'chip & sig'.

And it can't be all that uncommon, since most store clerks have not thrown a wobbly when their terminal says 'get the guy to sign instead'.

--snip--

Morgan stanlely gave me a signature card, no chip, without much problem - just a few minutes on the phone and they had to re-build my account so had no credit card for 3 days.

Egg and Cahoot's are impossible

Mark BR

"Mark BR" wrote

Morgan Stanley still haven't even provided me with a chipped card yet. [Old unchipped card is still valid for a while!]

They sent me a letter a few months back asking me to choose a PIN, to write it down on the letter and post it back! [I still can't quite believe that they expected the PIN to be written down, in plain sight without any "tamper-proof" precautions, and sent through the post!!] Of course, I just ignored the letter and haven't heard anything since. So my MS card is still "stripe & Sig"...

"Tumbleweed" wrote

Tumbleweed, did you notice when reading the Banking Code, that :-

"12.5 ... Please make sure that you follow the advice given below... " - Try to remember your PIN, ..., and destroy the notice as soon as you receive it."

... and of course ...

"12.11 ... If you act without reasonable care, and this causes losses, you may be responsible for them. (This may apply if you do not follow section

If you followed that exactly, you wouldnt know what the PIN was :-)

"Tumbleweed" wrote

Now you are arguing semantics - surely that means you must have lost the argument! ;-)

it wasnt an argument ..the clue was the smiley

Chip & PIN - Advantages/Disadvantages:

If you're not a PINaphob, read the above - you soon will be!

On the wireless this week there was a discussion about a medical condition of unknown cause, that we all suffer from to some extent, called "Essential Tremor" which can make it very difficult, impossible even, to use little keyboards.

The only treatments have unpleasant side effects such as debilitating fatigue.

Dream Ticket ?

DG

Of course, because the cost to them of all that practice will sufficiently reduce the return of the fraud. No fraud prevention method will be 100% successful, what matters is to increase the cost to the fraudster to where it becomes enconomic - the same way house thefts of DVD players are virtually non-existant, not because the criminals have disappeared but simply because DVD's only cost 30 quid in the supermarket.

Learning to forge an individiual signature is expensive, it takes time, and you've not got much time in which to convert a stolen card to money. With a pin however you can use it straight away, much lower cost to the crime, and of course more opportunities to the crime as you can use the card in ATM's too...

Jim.

There's my problem. That feels like deception since I am quite capable of remembering the PINs. I don't think I should have to claim a disability I don't have in order to get one. But I guess I will crack in the end :-)

In message , Jim Ley writes

Why does the evidence of card fraud not follow your theory then?

Bitstring , from the wonderful person Jim Hatfield said

Hey, if you are afraid of losing money to Credit Card PIN fraud at an ATM then you have Pinophobia. That's the major (& only) symptom of the problem. I'll even write you a certificate.

You don't have to be specific. Eg stress is a recognised medical condition, and would no doubt be induced or worsened by worrying about a C&P card. I think anyone could legitimately therefore claim "a medical condition". And they're not allowed to pry.