"James" wrote
Ah, but they *do* have the "legal right" to refuse you credit. You *don't* have a *right* to have a credit card with whomever you choose...
"James" wrote
Ah, but they *do* have the "legal right" to refuse you credit. You *don't* have a *right* to have a credit card with whomever you choose...
The new disability discrimination law probably makes it illegal for the banks not to offer Chip & Signature.
Indeed.
If you go into a NZ shop, the person behind the till will, if unsure, ask if your card is a credit card or an eftpos card. For a credit card payment, they sometimes ask for a signature, for an eftpos payment they ask for a PIN. For any foreign cards, they will usually ask for a signature. This is the NZ shopkeepers point of view.
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Without a hint of irony, "DP" astounded uk.finance on 21 Apr
2004 by announcing:
So? The UK shopkeeper's point of view is that they're all PDQ machines, originally a brand name of Barclays. Doesn't make it correct, does it?
With a small amount of effort most people could easily learn dozens. Without even special effort to learn them I can recall six or seven.
Thom
Leaving aside the chip and pin issue. A small amount of effort should allow you to remember any 4 digit number. You need to associate the numbers in the PIN with something meaningful to you.
For example, 4590 (pseudo-randomly generated by my calculator). I associate the number 45 with colt 45 - so I can imagine a colt 45. 90 is twice 45 so I can imagine a "multiply by 2" sign next to it. If I rehearse it a few times and test myself I should remember it.
Lots of other methods exist - including mnemonics such as the "one is a bun, two is a shoe ..." rhyme that associates images with numbers.
If that isn't to your taste you can write down your number without making it easy to find - don't write down all four digits together (for example).
Thom
How else does language evolve, but by the way it is used? You surely cannot say that a computer cannot be a PC if it is shared, for example.
Down under, an eftpos machine is understood by every shopper and shopkeeper alike to be the machine that swipes your card and takes your PIN.
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Not when your offered an opt out.
As Chip and Signature cards ARE an alternative to Chip & PIN cards will card issuers be saying you can't use a Chip & Signature card where you see that cards logo displayed? Will stores be turning away customer who insert a Chpped card that says Verify by Signature rather than enter PIN? I think not.
As for terms & conditions - on my original application for my credit cards I deliberatley left the box unticked which asked if I required a PIN or not. The reason of having a PIN with a credit card was to enable one to withdraw cash at ATM's.
My reasons for decling a PIN then and now are:
Ask yourself one question if you were the victim of card fraud, would you rather have it been card fraud where your PIN was used or your signature forged?
I do welcome Chips on cards for two reasons:
James.
Without a hint of irony, "DP" astounded uk.finance on 23 Apr 2004 by announcing:
And the name of this group is?
"James" wrote
Do you have any evidence that the 50 limit will *not* apply to Chip-n-PIN transactions? Or is this just your *supposition*??
They do not have the right to discriminate against disabled customers. Under the Disability Discrimination Act both the card issuer and the merchant have to make reasonable accommodation for disabled customers. In this case it is clear that the card issuer is happy to provide credit, so refusal of credit is not even an issue.
Steve
uk.finance - and guess what? We don't finance the UK! But the group's name is that widely used outside its own sphere.
Without a hint of irony, "DP" astounded uk.finance on 25 Apr 2004 by announcing:
And the charter of uk.finance is?
Dunno. Is it perchance not to use words like eftpos?
Without a hint of irony, "DP" astounded uk.finance on 26 Apr 2004 by announcing:
Why not look it up and then try and convince me that the evolution of the Australian branch of the English language has any bearing on the meaning of EFTPOS in this newsgroup.
I have better things to do than try to convince you of anything, Alex.
Alex said on 22.04.04:
Actually, I recently received an australien debit card which had been swallowed by a branch's ATM. One of the logos on the back did in fact read "eftpos", so it does appear to be the actual name of a payment scheme down under!
Chris
Without a hint of irony, snipped-for-privacy@gmx.de (Christian Bartsch) astounded uk.finance on 29 Apr 2004 by announcing:
And as I have previously pointed out, "down under" does not apply to this group. In the context of this group, the term "eftpos" applies to any credit or debit card system - EMV or otherwise.
In message , Christian Bartsch writes
Its the card services division of ANZ, thats all.
In message , DP writes
Try convincing me then. In NZ & Aus, EFTPOS means exactly the same as it does here, and despite your previous assertions to the contrary, it covers both Credit, Charge & Debit card transactions.
The colloquial use of the term EFTPOS seems to differ, I grant you, in the same way Yanks call 'cell phones' what we call 'mobile phones'.
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