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Chip and Pin Day

posted by [personal profile] owlfish at 09:10am on 14/02/2006
Happy Chip-and-Pin Day to everyone living in the UK!
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There are 10 comments on this entry. (Reply.)
 

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posted by [identity profile] ex-humanfema327.livejournal.com at 09:51am on 14/02/2006
Oh god! What does that mean?
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posted by [identity profile] sioneva.livejournal.com at 09:54am on 14/02/2006
Means that as of midnight tonight, retailers don't have to accept a signature for people who have chip credit/debit cards. If you don't have your PIN, they can refuse to accept your chip card as payment, meaning you'd have to go dig up some cash somewhere to pay instead.

I like Chip-and-Pin, myself, after seeing how many people in US stores STILL don't bother to check signatures against one's card!

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posted by [identity profile] ex-humanfema327.livejournal.com at 10:22am on 14/02/2006
Oh god! I've got no idea of my pin. I'll just have to never go to england. They'd let you sign realllly though wouldn't they?
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posted by [identity profile] sioneva.livejournal.com at 10:33am on 14/02/2006
Nope. They don't have to and I'm guessing many retailers will probably not let you sign.

This is only for "chip and pin" cards, though. A regular credit card without one of the handy dandy chips in it will, I assume, need to be signed for regardless.
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owlfish: (Default)

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posted by [personal profile] owlfish at 10:56am on 14/02/2006
You can ask your bank to reset your pin - they'll mail you the new one to your registered home address within a week. If you're fundamentally incapable of remembering pins (it happens) there are also chip-and-signature cards available from banks, issued upon request. But you have to ask to get one.
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posted by [identity profile] rhube.livejournal.com at 12:09pm on 14/02/2006
*celebrates her pin*

I like having a chip and pin card because a) my signature always gets rubbed off my cards, and then shop people look at me funny, and b) I am sad, and it makes me feel like I'm living in the future, which pleases me. Sadly, although I'd like to feel this way about the proposed ID cards, their futuristicness is not enough to convince me it's a good idea.
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posted by [identity profile] sioneva.livejournal.com at 12:54pm on 14/02/2006
Particularly since, unlike chip-and-pin cards, we'd have to pay for ID cards.
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posted by [identity profile] ballincollig.livejournal.com at 06:26pm on 14/02/2006
I have had similar exchanges in Canada, too. The usual one is: "why does it say to see your I.D.?"

C'mon, people! *headdesk*
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posted by [identity profile] chamaeleoncat.livejournal.com at 01:26pm on 14/02/2006
Why is the US so far behind in these things? I've always hated the fact that if someone stole my US atm card, pretty much anyone could use it to buy stuff. Although, if someone did steal it, I would call the bank and cancel it immediately and I would still do the same if it didn't have the Visa logo. The lack of a credit card logo still seems more secure to me. Then again, its only been possible in the past few years to use a PIN at the grocery store, so I suppose when they first introduced it, it made a little sense. Or maybe they just didn't want to admit that the Canadians (and the rest of the world?) had a good thing going with Interac and its equivalents.
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owlfish: (Default)

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posted by [personal profile] owlfish at 05:17pm on 14/02/2006
Lack of credit card logo may feel more secure, but I rely on affiliations like that when travelling abroad - they make it possible to make use of more cash machines! Interac and its equivalents really are awfully useful things.
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