Hi all, I`ve been using my chip and signature card quite a lot recently, and have been getting a lot of staff very confused by it. One cashier even tried to refuse to accept it, until I explained that I ahd the card due to a disability, and would he like to get the manager and discuss their obligations under the disability discrimination act. That sorted that problem very quickly, but it really has been confusing pretty much everyone I`ve used it with.
Does anyone else use a chip & signature card, and are they having the same kinds of issues with it?
I have read on yahoo answers, some people are having the same problem US citizens are also having problem using their cards because they don't have chip and pin yet.
May I ask you what your disability is. You typing is excellent. The only thing I can think of is because you are blind or have no hands or cant move your hands or you have one hand and can not cover up the pin terminal
If I couldn't use my hands. I would not be able to sign or use a pin pad.
If your trouble is remembering. How do you remember to write down what you spend?
At 20:38:13 on 23/01/2007, Greg Rozelle delighted uk.finance by announcing:
It's all a staff training issue. If the card is not EMV capable then the card issuer is liable for any fraud. If the terminal/ATM is not EMV capable or they do not perform an EMV transaction then the operator is liable for any fraud.
Bitstring , from the wonderful person Simon Finnigan said
My wife and I use several, and no, we've not had any problems at all, although the odd supermarket checkout person was initially confused (and no longer seems to come equipped with a pen).
The disability is that I`m not happy with the thought of being utterly unable to prove that I didn`t authorise a transaction with my PIN. With my signature, it`s much easier to show that it wasn`t me who signed for something. The fact is that in the UK they have said that if you have a disability, ask for a C&S card and they`ll give you one - they won`t ask what the disability in question is. I`m just alergic to trusting a system that is sold as being basically 100% secure that is actually riddled with holes :-)
Bitstring , from the wonderful person Simon Finnigan said
This is a fairly common complaint which goes by the moniker 'pin-o-phobia'. Renders the sufferers unable and unwilling to carry out transactions using a PIN, or to possess any =credit= card which can be used in an ATM for cash withdrawal. 8>.
Agreed - the biggest problem I have had is lack of pens.
And for the USA person I can't read the display on the PIN machine, unless I have my glasses which I often forget. That is my 'disability'. But I can sign in the big white space even without glasses.
If you've any trouble at all with Chip & Signature or indeed Chip & PIN you can report your findings here:
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ISSUES:
It is a great misconception that you have to be disabled to acquire Chip & Signature Cards. Card Issuers are successfully misleading the British Public on this issue. Putting cardholders at risk.
It is your decision if you can manage a PIN or not.
This could be down to feeling unsafe using a PIN. You know that PIN entry devices offer little privacy and are being tampered with all over UK. You can't remember seldom used numbers and you're certainly not using the same number for more than one card. Then there's the liability issue already raised.
Ask yourself this: What incentive is there for me to use a PIN with my Credit Card if I never use it to withdraw cash?
If you require a Chip and Signature Card ask your card issuer to provide one.
Interesting links.
Pin Pads & ATMs are being doctored or hacked all over the UK. In the last 4 months Cambridge, Norwich, Portsmouth, Bromley, The Black Country, Hampstead, Belfast, Inverness, Worcester & Leeds - Thousands of credit and debit cardholders have had their cards cloned & PINs pinched.
3000 Victims in Hull:
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73770
300 Plus in Leeds:
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01470 PIN Number Theifs Target Women
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Gangs Terrorise Victims for PINs.
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Then in that period of time between losing your card, and reporting it lost beware. It takes The Irish Times to warn what's happening to UK cardholders:
Complaints to the financial ombudsman have risen as customers find their claims for compensation are dismissed and, in some cases, they are accused of collusion in the crimes.
Before the advent of chip and pin, British banks were more likely to write off fraud costs; now, however, they ask for proof that a customer did not disclose the pin.
I can't read the reciept, but at least I can take it with me and check it later. They won't let me take the PIN machine home to read. And I sign the big blank space, sometimes I get that wrong and have to sign again but the assistant can help me there. They can't put in my PIN for me.
Not according to the Bankers association - if you have a disability that means you must can't use a PIN then they must issue a chip and signature card and NOT ask what is your disabilty/problem.
Although I use C&P on a regular basis, I can read paper receipts without glasses but cannot read a PIN terminal display without putting them on. It's because the terminals used in shops are very poorly designed. Often there is no, or insufficient, backlighting on the display so there is little contrast between the background and the characters being displayed.
Always assuming they know what they're talking about. I had some "fun" a year or so back at a major bank where the local manager flatly denied the existence of C&S cards -- even though I showed her the one they'd already issued to me(*). I eventually had a nice apologetic letter from higher up.....
(*) Apparently branches don't carry equipment capable of testing cards. All the local branch can do is ask for a replacement. Seems an odd omission.
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