Chip & pin credit cards

Bitstring , from the wonderful person abracad said

1) read the 'pin fraud' thread 2) change your credit card provider, and be sure to tell them why you did so.

and from where do you come up with this idea that the average person can remember half a dozen phone numbers?

tim

In message , abracad writes

But surely its a far higher security risk verbally telling a member of staff of the card issuer what you want the new PIN to be over an unsecure public telephone line which could be overheard by anybody at your end and then having numerous other people involved, at their end, with arranging the change and checking it was input correctly. I cant see your problem

What do you mean by ' a totally meaningless 4-digit number '. does a number have to have a meaning?

It's not possible to change the PIN over the phone because it's stored on the card, unlike the cards with the magnetic strip where the PIN is stored by the bank.

In message , tim writes

Good point. I've noticed some people consulting their cellphone before using an ATM. Can't imagine why. Surely no one would even think of burying a PIN in a phoney telephone number? Jf

Without a hint of irony, abracad snipped-for-privacy@yahoo.com (abracad) astounded uk.finance on 18 Apr 2004 by announcing:

Why? How long will it take you to get to an ATM? Since PIN bypass is likely to be around for at least a year or so, that should be plenty of time to change it.

According to the other thread you have the option of retaining use of signature instead of a PIN. You might like to see whether that is actually the case. (Of course you may find you have to go to said cash machine to exercise this option.....)

Tell you card issuer you have difficulty with a PIN, and ask for a Chip & Signature Card. I believe that they have no legal right to ask you why you can't handle a PIN. A Pin is neither compulsory nor a legal requirement. Two of my card issuers have been superb by offering me a Chip and Signature Card. Lloyds TSB on the other hand are very evasive on this subject.

James

In message , James writes

Can you explain what you actually mean by this?

Its a 'legal' requirement IF the terms & conditions require it.

What is that? Your problem isnt with the issuer, but the merchant. With sigs the responsibility rests with him, with PIN payment is guaranteed.

Some of us can even remember our wives birthdays:-) Derek.

They are looking for Billy Barclay, Taffy Lloyd, Ally Leicester, Charlie Gloucester, Norman Rock, Sally Skipton etc. Derek.

In message , Derek F writes

Oh, f...!

Bitstring , from the wonderful person Derek F said

Yeah, but with a PIN number you are not supposed to write it down, much less have it tattooed on the back of your hand.

You'd have thought people would be cleverer than to put bogus phone numbers in their phones. Instead they could *choose* their PINs to resemble bits of *real* phone numbers. Not in the clear, of course, but perhaps backwards and shifted, so if the girlfriend's number ends in 2387, the PIN might be something like 9054. And I suppose it's good practice to change your PIN at least as often as your GF.

In fact, you don't need a phone for this. You can just use the card's own number. That's perfectly safe so long as only you know which digits of it you're using, in which order, and by which shift.

The system has worked well in New Zealand and Australia for many years. It is called eftpos there. The banks have shielded keypads for changing PINs and also they can be changed on the phone using the phone keypads. Maybe in time we will catch up in the UK. I just hope we don't catch up with their bank charges :(

___

Without a hint of irony, "DP" astounded uk.finance on 21 Apr 2004 by announcing:

EFTPOS is a generic term applied to any Electronic Funds Transfer at the Point Of Sale - basically, any card payment irrespective of the CVM. I do believe we've been through this before.

"Ronald Raygun" wrote

What if you are married? ;-) ... ... :-( ... ... :-))) !