Chip & PIn (AGAIN)!!

Yes - quite a few merchants seem confused as to why I want to check the amount before I enter the PIN. I would still feel happier if the amount was shown on the same screen as the PIN request is displayed.

It is in some shops. I'd suggest you complain to the head office of the shop concerned. Chip and pin is still new and there are bugs to be ironed out.

But you will have been advised of it. Don't you listen when they say "That'll be £34.56 please."?

And when they say that but have entered 3456.00 in the C&P machine?

Jim.

Then your authorisation will be null and void. Alos, it will say so on the printed chit you get, won't it? And then you can immediately arrest them for attempted fraud.

In message , Ronald Raygun writes

Eh? Wat? Can you say that again after Ive adjusted my 'earing aid?

In message , Ronald Raygun writes

Why?

1) His name isnt Alos 2) You only get the chit afterwards

How?

It will? Surely they could just say you misheard or whatever.

It's a bit late then, you've authorised it.

I don't believe such a fraud would be arrestable.

Jim.

A PIN with a credit card (stolen or cloned) is a 'must have,' item for many a crook. Armed with a cloned card and valid PIN money can be had at an ATM, something that can't be done if you dont have a PIN with your credit card.

A stolen genuine card and PIN can but used to obtain up to £500 pounds cash a day or can be used in a shop to purchase goods up to the limit of the card - attractive it the card is black, gold or platinum.

As for chip and PIN at petrol stations have a look at the following from the chip & PIN wed site:

The above guide could be taken that it is only 'disabled drivers,' who will be unable to enter a PIN or simply have a Chip & Signature Card (The card that card issuers are failing to tell cardholders is available to all).

At least with a Chip & Signature Card you are shown the amount on the transaction slip which can be checked before you sign.

On the other hand if you do have a PIN and are worried over such things conveniently forget it and sign. See the following: What do I do if a customer doesn't know their PIN?

I know which I prefer - PINs can give you a nasty prick.

Reminds me of when you get asked to `initial your cashback`. "Why", I asked. "To show that you receiver the money" the cashier replied. "But I haven't received the money - you haven't given it to me yet!". "I'm going to in a minute".

...

Yes. I wrote (not for the first time) to Beneficial about two weeks ago asking for a C&sig card. They've not even had the decency to reply......

Incidentally, that same site

says: # Don't enter your PIN until you're asked to. You will see this message: ?Amount £xxx.xx; Enter PIN?. # When you enter your PIN you are agreeing to pay the amount shown just like you do when you give a signature.

Interesting in the context of the previous posters who complained the amount wasn't being shown before they had to enter their PIN.

When I did that a hotel receptionist got a little message back on her terminal to the effect that this would be the last time they would authorise a transaction without a pin until I had contacted them. This could have been inconvenient on a long business trip.

DG

If I'm in a petrol station it's very unlikely that I will be able to hear what they're saying as I wear earplugs to protect my hearing while riding my bike.

Sorry, that'll be £34.56 please, SIR!

Because you've been deceived, and it had not been your intention to authorise 100 times the amount you thought you were going to pay.

Anyway, even without being shown the amount, you should know how much it was going to be, having seen it on the pump display previously, and added in your head any extras like those Hamlet cigars and flowers for the wife. Gawd. Hamlet-smoking wives, whatever next?

I bet his name ain't Also either.

So what. You should check it.

I remember Esther Rantzen saying you have to used the key words "Irish Stew in the name of the law". But as Jim says, this is probably not an offence you can do a citizen's arrest for, so you'd have to involve the police.

Mind you, it's rather closer to theft than fraud, so it ought to be arrestable, no?

I've now swapped 3 letters (well sent 3, got two replies) from a 'Lee Powell' at Capital One, who also claims 'he can't issue me with a chip & sig'. To which my reply is basically that "I'm sorry then, I can't use his card" .. He won't give me a straight answer as to 'why not' and 'Who at Capital One can' (their C&P literature actually says 'if you have a condition that makes it difficult to use C&Pin, ring this number'. Apparently religious objections and Pin-O-Phobia don't count, and the people on the end of that number haven't got the glimmerings of a clue).

Yes, I accept someone needs to steal my card, because chipped cards are seriously hard to clone. But the bit about discovering my PIN is trivially easy .. half the shops are far from secure at the point of entry.

Let me make it real clear, I'm NOT going to use anything where a potential thief can withdraw (from an ATM) several thousand pounds that I actually don't have - I'd rather forgo the freebies and go back to Cheques.

I suppose alternatives are to reduce my credit limit by about 10x (I rarely use anything like that amount) and/or to find someone who can disable ATM use.

Suggestions for saner card issuers welcome - so far Capital One (Circle card) ain't in the game.

Derek you may like to apply for a Chip & Signature Card due to the fact the you can't remember seldom used numbers, or numerous PINs for several different cards.

The Chip & PIN people ask you to report places where you have difficulty signing. It maybe worthwhile submitting the following form and report the forementioned hotel and ask the Chip and PIN people where you stand if you forget your PIN again:

GSV Three Minds in a Can wrote: ...

To be fair, after I'd posted, I rang Beneficial (I can recommend saynoto1970.com!!!) and enquired. They claimed they had no record of my letter. Bad start. However.... I explained that I wanted a C&sig card on medical grounds (which is actually accurate as far as it goes) - also that the chip&pin rules are that the bank *must not enquire* as to the nature of the medical reason (thank you, chipandpin.co.uk!!!!). I get the card, or so I'm told.

GSV Three Minds in a Can wrote: ...

You don't clone the chipped card. You read the stripe, clear the bit that says this is a chipped card, and write a new stripe-only card, which will work in any atm at present. emvco say this isn't possible; the London Program (??) demonstrated it in action a few weeks ago.