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Chip 'n' Pin - A Quick Guide Discussion Area
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I would like congratulate the great majority of posters to this long thread for avoiding the temptation to refer to "PIN number" which, as we know, is a "tautology". [I counted just 19 occurrences in 15 out of the 108 replies]
[A related one is "ATM machine".]
Now I don't get hot under the collar about this - especially since the worse culprits seem to be banks themselves, but I just want to encourage people to carry on the good work. Once you have trained yourself to avoid saying "P** number" it quickly becomes natural.
Personally, I try to write down the PIN for any new credit card in a simple code on the letter confirming acceptance (which arrives before the PIN slip). This way I can destroy the PIN slip as instructed, knowing the information is safely accessible.
Recently Tesco sent out a "PIN reminder" and I suspect other banks will do the same if you ask for this. If you find the PIN slip in the meantime you can still use it - so this is better than requesting a new PIN - which effectively blocks the use of the card......under construction.... COVID is a [discontinued] scam0 -
I would like congratulate the great majority of posters to this long thread for avoiding the temptation to refer to "PIN number" which, as we know, is a "tautology".
So 'Personal PIN Number' and 'Automatic ATM machines' are not considered OK then?I'll get my coat....
Conjugating the verb 'to be":
-o I am humble -o You are attention seeking -o She is Nadine Dorries0 -
I used my PIN in Asda today, so they're up and running now.0
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I would like congratulate the great majority of posters to this long thread for avoiding the temptation to refer to "PIN number" which, as we know, is a "tautology". [I counted just 19 occurrences in 15 out of the 108 replies]
[A related one is "ATM machine".]
How about (Lloyds) TSB Bank then?student100 hasn't been a student since 2007...0 -
I am having trouble at ASDA. They insist I use the chip and pin keypad. I would love to do this with one my credit card, but I don't know if it is a C&P card.
Yes, it has a chip; yes it has a pin (and I know it), but this doesn't make it a C&P card, ... does it?
At the moment I am forced to use my Switch card which I know is definitely C&P. (Because my bank issued it specially). This is not ideal as I missing out on my cashback/points etc.
Can someone tell me how I can find out if I have a C&P credit card card? I am reluctant to "just try it".
One question, if I could ask it, is when was the card issued? If it was pre-10/2003 then I'd very much doubt the card is Chip & PIN activated, although the card has a SMART chip on it and has a PIN, this does not necessarily mean it is C&P activated.
All Nationwide debit cards valid from 04/04 and further in the past had SMART chips on the card and obviously a PIN, but they were not C&P activated.
The card you have may well be put in to a SMART card reader - the idea of this is to reduce fraud due to 'skimming'. ASDA cannot force you to enter a PIN, though, if the card is not C&P activated... Simple as
Only other option would be to call the card issuer and simply ask them whether the card has been activated as a C&P card.
RdgThis is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0 -
How about (Lloyds) TSB Bank then?
Student 100 you're right, of course :o [Slippery thing, this English!].
In general, any self-referential term would count as a tautology - or "sloppy langauge". Here's another "LIBOR rate" or "LIBOR inter-bank rate". Do you think it is just financial institutions that are prey to these because of the need to project confidence?.....under construction.... COVID is a [discontinued] scam0 -
Actually, I don't think it's too much of a problem, especially once acronyms start to become words. For example, you could have "your personal PIN" which would be different from "John's PIN". Because "PIN" has become a noun in itself rather than just an abbreviation you sometimes need to say things like this just to make your meaning clear. ("Your personal PIN" makes it absolutely clear that the PIN is unique to you; "your PIN" does not necessarily).
If you read in the paper about Lloyds TSB, you could have absolutely no idea what Lloyds TSB is if you've never heard of them before. But if they print "Lloyds TSB Bank", you know instantly that they are a bank. TSB is no longer an acronym for "Trustee Savings Bank", it is simply just a name like "Barclays" or "NatWest" are names.student100 hasn't been a student since 2007...0 -
Getting back on topic, don't worry about just trying to use any card in a Chip and PIN enabled retailer.
At the moment we are in the "transition" period so retailers will support both C&P and non-C&P cards.
If the card has a chip, they will probably put it in the chip reader straight away, and if it is a C&P card you will be asked to enter your PIN. If it is not a C&P card, the card details will probably be read off the chip (or alternatively the reader will instruct the retailer to swipe the card) and you will be given a receipt to sign just like you always have done.
Alternatively, if the retailer tries to swipe a C&P card, the terminal will detect that it is a C&P card and instruct them to use the chip.student100 hasn't been a student since 2007...0 -
PIN - Health Warning.
From Exeter to Aberdeen and more than likely at a Town near your a Cash Machine has been hit by fraudsters and ATMs are where PINs are used exclusively.
The latest warning comes form the City of London Police Commissioner (http://news.scotsman.com/latest.cfm?id=3074363). It's easy to understand why crooks target cash machines and PINs - The chances of them being caught are extremely low. How long will it be before they move on to Chip and PIN compliant shops, and hit a credit card for a few £Thousand?
Where will that leave the genuine cardholder?
I feel a lot more reassured with my Chip & Signature Card.0 -
I feel a lot more reassured with my Chip & Signature Card.
So you've said just a few times already.
It's interesting that the article you mentioned didn't even mention the word "PIN" and had only one line referring to ATM fraud.
You need better "evidence" than that to pursuade me that C&P is a bad idea.student100 hasn't been a student since 2007...0
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