Credit Cards without Chip & Pin ?

packer_fan

Hi!

Does anybody know of any credit cards that do not require you to use Chip & Pin ?

I know you can get cards that don't if you are unable to use them for medical reasons but I just don't like it and think it just shops an excuse for poor / lack of customer service.

TIA

Jakg

packer_fan wrote: »

...think it just shops an excuse for poor / lack of customer service.

...what?........

Karl.H_2

I believe you can. You will have to ring your credit card provider yo set this up.

jamalfatty

I'm sure James will be along shortly to give you no end of information on the subject

Karl.H_2

Is James the resident Chip N Pin expert?
Wait until James confirms, but I am quite sure you can set this up by phoning the provider.

James

packer_fan wrote: »

Hi!

Does anybody know of any credit cards that do not require you to use Chip & Pin ?

I know you can get cards that don't if you are unable to use them for medical reasons but I just don't like it and think it just shops an excuse for poor / lack of customer service.

TIA

All UK Visa and MasterCard Credit Card issuers, have Chip and Signature Cards available.

These card work thus.

Insert the card into the Chip & Pin reader.

The Chip is authenticated and rather than asking you to enter a PIN, a transaction slip is provided for you to sign, and the counter assistant to check.

I've cut and pasted the following from a previous posting. I hope it helps:

You do not have to be 'disabled' to be issued with Chip & Signature Cards.

I'm fortunate enough at this time to be 'abled bodeid' and all my cards which carry an EMV (Europay, MasterCard or Visa) logo are Chip and Signature.

Acquiring Chip & Signature is all about talking or preferably writing to the correct person. If you call talk to customers service

If you feel unsafe using PINs and there's reson to be, then TELL your card issuer you need Chip & Signature.

Tell card issuers you have diffuclty remembering seldom used numbers and you are already using a 4 digit number for something else. You are complying with Card Watch Advice (Don’t use the same PIN for every card), and, in the interest of security, refuse to use the same number for other applications or cards.

Members of the public are starting to wake up and realise that it's foolish to use a PIN with your credit card.

Reasons are:

Liablity shift to the cardholder.

Pesonal safety.

Terms & Conditions compliance, i.e. keep your PIN secret and if you think someome knows your PIN, tell us right away. How can you? The industry themselves can't explain how crooks are harvesting PINs by the thousands and when PINs are compromised they're not letting you know.

It's all about talking to the right person, telling them the sort of card YOU require and not accepting the type of card they think YOU can manage.

Good luck.

duggie1982

Thanks for that. I might get one of my cards changed to try it out

jegudiel

Do bear in mind that some shops will turn you away. I have an American card (i.e. no chip and pin) and although most shops and mainstream shops understand that they have to accept non chip and pin transactions, I still regularly come across jobsworths who say they can't (normally smaller shops).

James

jegudiel wrote: »

Do bear in mind that some shops will turn you away. I have an American card (i.e. no chip and pin) and although most shops and mainstream shops understand that they have to accept non chip and pin transactions, I still regularly come across jobsworths who say they can't (normally smaller shops).

I've been using Chip & Signature all over the UK and in serveral European Countries, experiencing no problems.

Retailers have no idea that a card is Chip & Signature until the Chip has been authenticated and a transaction slip is produced for the cardholder to sign.

duggie1982

I had a card a few month ago, visa debit. Still never had chip and pin and most small shops turned me away and others always looked at it funny because no chip

CannyJock

duggie1982 wrote: »

I had a card a few month ago, visa debit. Still never had chip and pin and most small shops turned me away and others always looked at it funny because no chip

Got involved in a few projects rolling out chip and pin EPOS systems with retailers when it all started - from memory at an APACS briefing at the sunny Glasgow Hilton they made it clear that if the retailer accepted payment without a pin number then they were liable for any fraud, but with a pin number the banks were liable. But this wasn't to protect the banks. Oh no, definitely not. Could explain why the small guys just point blank refuse to take the risk?