Chip 'n' Pin - A Quick Guide Discussion Area

Geodrge

I've never wanted or needed to apply for a credit card in my life. however my fiance and I are planning to buy a flat in the next 6-12 months and realise that I'm going to need to improove my credit (apparently never owing money is a bad thing).
My question is what's the best and safest way to build up credit, are credit cards used as a supplement to debit cards and if you are in credit on your credit card do you earn interest? I know I sound a bit thick but honestly don't have a clue about these things!!

Lauralala

I'm not a big fan of chip and pin especially if I forget my password and it locks me out. Dead embarassing if you're at the checkout in Tesco

jaxo

I had a strange experience last night in a Co-op supermarket, went to pay at the self check out with my chip and pin credit card, with the chip end in the reader said error, swipe instead, so I did, printed out something to sign, self check out lad comes over takes the signature print out(their copy) and says not to worry, no signature required sometimes the machines just do that, he doesn't know why.
So, my shopping payment will be taken without a pin or signature.
I find this worrying!
So all you need to do is damage the chip or block it from being read in a co-op store so no pin is required?? You don't even need to fake a signature.
Who is at fault here?

thenudeone

mrkjohnson28 wrote: »

Thanks. thsi is really great.please keep it up.

9 identical posts in 9 different sections - Someone is trying to get their post count up so that they can then post spam links, IMO.

Press the spam button on the message above, folks.

Hymer72

Lady_K wrote: »

I've got a Halifax debit card at the moment. I have never had a credit card as I just don't understand them and I haven't really needed one. When this starts will I get charged interest n things just like a credit card?

I forgot to say its a Halifax Switch card but I know I had some letter about it would be changing to that chip n pin thing so will it be a credit card then?

I have a similar concern

HTAFC112

jaxo wrote: »

I had a strange experience last night in a Co-op supermarket, went to pay at the self check out with my chip and pin credit card, with the chip end in the reader said error, swipe instead, so I did, printed out something to sign, self check out lad comes over takes the signature print out(their copy) and says not to worry, no signature required sometimes the machines just do that, he doesn't know why.
So, my shopping payment will be taken without a pin or signature.
I find this worrying!
So all you need to do is damage the chip or block it from being read in a co-op store so no pin is required?? You don't even need to fake a signature.
Who is at fault here?

The retailer is liable if they do not follow correct procedures.

If the Chip&PIN machine is out of order, then they must take an imprint of the card and verify the signature. If they do not do this, then they are held accountable for any unauthorised payment.

HTAFC112

Originally Posted by Lady_K
I've got a Halifax debit card at the moment. I have never had a credit card as I just don't understand them and I haven't really needed one. When this starts will I get charged interest n things just like a credit card?

I forgot to say its a Halifax Switch card but I know I had some letter about it would be changing to that chip n pin thing so will it be a credit card then?

hat type of account is it?

Halifax do not give credit interest or charge debit interest on current accounts (though they do have a daily charge system in place).