Wrong. The card is supposedly useless without the PIN. Therefore it follows that if my card is stolen and the PIN used, I must have let it slip. At least, that's the arguments I'm sure the banks will use -- I believe a TV program (yes, I know, you can't trust them either :-) ) mentioned a women who had her handbag (with stripe card) stolen in the street (and reported to the ploice and bank iirc), and money withdrawn from her account. The bank refused to replace the money on the grounds she must have had the PIN written down - as evidenced by the "fact" that the card could not have been used otherwise.
... but I doubt if I'll remember! :-) I really do have trouble dialling on a mobile phone, I don't use one often enough to remember where the keys are. I also don't key in my PIN on a PIN pad that often, maybe once a fortnight (refilling bike with petrol), so it's not familiar enough to become easy. Signing is *way* easier still.
There is at least one sensible person in this group. Can anyone recommend a bank that's sympathetic to issuing C&S cards and share information on what disabilities "work"?
One bank said that inability to remember numbers is not good enough, so I have already cancelled one credit card.
I'll take that as a compliment (hoping you mean me :-)
Natwest were actually quite helpful, and were no problem with their debit cards -- except that we had, I believe, the first C&S cards they issued, and they were screwing up the chip programming somehow; we spent quite a bit of time on the phone helping them sort the problems. But it's all fine now. A side effect is that it won't work in a cashpoint; that's a snag or benefit depending on your point of view.
Beneficial were eventually OK. When they announced C&P, and I objected, they originally told me I "had no choice" (sure!): I wrote quite a stroppy letter full of legalese about liability for PINs (I won't bore the group - the only legal effect was probably to relieve my feelings). But when they finally issued a C&P card, I rang them up, said I'd like a C&S card please on medical grounds (true as far as it goes), and quoted the bit from the C&P co website where it says a card co isn't allowed to enquire into the nature of the medical grounds. I got the card within a couple of weeks.
Incidentally, staff in neither bank were aware of any potential problems with the C&S system. They'd obviously been fed the party line, and swallowed it nicely.
Staff in shops are more problematic. We've got most of the local ones trained up; but even in the past week, one checkout op has told me "your PIN is locked", and another that "your card is disabled". In both cases, their terminal was saying "get signature" -- it's unexpected, they've not been trained to understand the system fully, and they misinterpret what they read.
Bitstring , from the wonderful person s snipped-for-privacy@yahoo.com said
Capital One, after a big exchange of letters. As to 'what disability' .. they are not allowed to ask, so just tell them 'a disability that makes it hard/impossible to use PINs'. Just pick whoever you like and quote the C&P website at them.
Amex were OK last time I looked since they still hadn't grokked C&P (the cards have chips, but not C&P chips).
At 18:14:22 on 12/10/2005, snipped-for-privacy@isbd.co.uk delighted uk.finance by announcing:
I was agreeing that you don't need to read what's right in front of you when entering your PIN since the total is on the main display just as it is when you sign the receipt, yes.
I think you will find that if you report the card as lost right away you will be in the clear.
A) it i apocryphal and b) that was in pre-C&P days when PINs were only used at ATM not as in the current regime when they are input more frequently in public.
I *think* you're wrong. But since neither of us appears to have actual experience, we'll have to continue just *thinking*.
(a) they did interview on the program the woman concerned. It wasn't a secondhand tale of someone whose sister-in-law knew someone who.....
(b) I'm not sure I get your point. The event indicated the bank's unwillingness to accept the failure of their system security, and the innocent woman bore the cost.
IIRC the program was the London Program a year or so backr, devoted to C&P security and the banks' attitude (lamentable, btw). Maybe someone has a copy lurking?
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