Chip 'n' Pin - A Quick Guide Discussion Area

Gotabiscuit

Yes, I eventually persuaded her to swipe the damn thing!

Purdy_1

Has anyone else had much luck changing their default PIN to a more memorable number using an ATM ?

I have recently had a Halifax One credit card whcih is C&P, but despite using five different ATM on five different occasions, at the end of the process all I get is "unable to process transaction" message.

I have had my Halifax One Visa about a month now . I have tried twice - unsuccessfully >:( to change the pin and had the same responce . I have phoned Halifax card services and was told there was no problem with my card . Tonight (after more problems with my card) I was told that there have been 42,000 accounts afected with the PIN problems . The card should work fine but to use the original PIN it came with until its sorted !

What a load of tosh ! Im beginning to wonder if someone is trying to tell me something about having a credit card ::)

Suzz_2

I was asked to enter a PIN for the very first time today - at Specsavers...

I've been requesting PIN changes for all my cards - most of them have been issuing a new card to go with it. Sadly no 0% period... :-/

theickleone

hi, jus tread this thread and thought hopefully could shed some light as a recent ex employee of Asda. In the stroe i worked we have been using chip and pin for a couple of months now.It does not matter if you do not have a pin number at the moment but you will need one eventually. If you canuse the card in a cash machine then your chip and pin number is the same as you would use at the cash machine. The reason that the card still goes into the machine regardless of whether or not you know your pin number is because if the card is swipped with the chip mechanism as before, it is classed as an unauthorised action and persued further could be classed as fraud on the part of the check out operator. If the card does not have a pin number the checkout goes to an automatic "fallback" position of printing out the slip for the customer to sign as before. I doubt anyone would be turned away from paying for their goods at asda. hope this helps...If i can provide any more info let me know.

Freddie_Snowbits

I understand that any transaction that is done solely electronically cannot be upheld as legal in law in England.

I am a little suspicious that Chip and Pin is regarded as an electronic transaction. How does this affect usage of a card if it is stolen, when although Chip and Pin is supposed to be more secure? At the moment there is no offence in use of a card where the transaction was carried out electronically.

Are we being conned?

student100

I understand that any transaction that is done solely electronically cannot be upheld as legal in law in England.

Really? Do you have any evidence to support this?

zappomatic

The John Lewis implementation of Chip and Pin (when live) will automatically print a signature slip if nothing is entered on the keypad after 30 seconds, or after the PIN becomes locked - not sure if this is permanent or just while people get used to using a PIN.

Also, if the chip can't be read, and swiping fails, keying in the card number will not be allowed, so if you're chip fails and your mag stripe becomes defective, you're stuck!

James

It does not matter if you do not have a pin number at the moment but you will need one eventually.

A bit of minsinformation here!

I presume your training never covered Chip & Signature Cards?

James

student100

Ok, I actually used Chip and PIN for the first time yesterday in Asda. The cashier asked me to enter my card into the reader (built in to the keypad) and then I just had to enter my PIN when the screen on the keypad told me to. The keypad itself had built-up sides and the fact that the card was sticking out of the top also shielded the keys from above somewhat. I held my wallet in my left hand sort of over the keypad as I entered my PIN but I doubt even if I hadn't anyone could have seen my PIN unless they were standing so close to me to be rubbing shoulders - the keys on the keypad were closer together than on an ATM too so it would have been hard for anyone to tell which buttons I was actually pushing.


I personally think chip and pin is a major improvement over "swipe and sign", not least because half the time the cashiers in Asda never seemed to check the signature anyway. If everywhere uses keypads the same as those in Asda then I don't think there will be any problems with people reading your PIN as you enter it.

James, if you want to, keep on going on about your chip and signature card, but I'm sure sooner or later you'll find there's no good reason not to have chip and PIN.

James

Student 100.

Both of us have made informed decisions. Yours is Chip & PIN with your credit cards while I’ve opted for Chip & Signature credit cards.

I too think Chips are a vast improvement on swipe for two reasons, one counterfeit chipped cards wont be accepted in the new type terminals and two lost cards should in theory be blocked in near-real time. Unfortunately this only applies where chip reading terminals are in situ and many retailers are making a business case on whether or not to implement new type equipment. Chip reading terminals. Chip & Pin for retailers is not compulsory.

The reason I go on about Chip & Signature is that hardly anyone, including check-out staff in stores who operate chip & PIN are aware that there is such a thing as a Chip & Signature Card and the are totally unaware of operating procedures.

I am absolutely convinced that at least 90% of card issuers are deliberately not telling the whole story i.e. If you have an issue with PINs (security/liability) or cannot manage a PIN for whatever reason!

I will repeat the question card holders should be asking before they commit to a PIN.

If I was the victim of fraud and my card was used before I reported it lost or stolen would I rather have the fraudster used my PIN or forge my signature?

Signature wins every time: You can challenge a signature, retail staff can challenge a signature, an auditable trail ( possible forensic evidence) is left when a signature is used. Try saying you weren’t negligent with your PIN!