VISA Gold with no chip - many problems in UK

Plxply

Heng_Leng wrote: »

Some US banks e.g. Bank of America issue Chip n Pin for travel cards.

That's the cards I was talking about, I just couldn't remember the bank. Although I'm pretty sure that they're not Chip & PIN and in fact Chip & Signature, so unfortunately it won't solve everything if they won't take a signature at all. But it should help since the terminal will be telling them to take it (although funnily enough you can ask the retailer to use a signature override with a PIN card, whether they want to do it or know how to is another matter).

tyllwyd

Would it be possible to get a pre-paid visa/mastercard and load money onto that from your bank account?

callum9999

piemaeu wrote: »

Me and my friend from the states were in asda and she went to pay with her Visa card (has no chip) the cashier looked at her like she was a Nigerian con artist and told her due to fraud policies they could not take her card. I told her to ask her manager who stood by the 'policy' so I asked the manager to get HER manager who said she was unsure. Still we refused to make a payment with one of my cards or cash until they understood that denying the payment was against the terms of the merchants and they could face a fine.

It's unfortunate there are so many uneducated people who know nothing about their jobs.

Precisely the opposite. In ASDA the policy is you cannot swipe the cards - period. It's because they "know their jobs" that your card is being declined.

It's a fairly solid policy that has been in place for a while - if it's against the merchant agreement, then I assume there is some kind of informal agreement where the merchant turns a blind eye to it. It's certainly a justifiable (though annoying) policy.

pcombo

If you dont like Britains rules, Dont stay here simple.

We use chip and pin to try and prevent fraud or customers disputing payments with banks, Non like argentina which is full of scams.

callum9999

pcombo wrote: »

If you dont like Britains rules, Dont stay here simple.

We use chip and pin to try and prevent fraud or customers disputing payments with banks, Non like argentina which is full of scams.

Seems rather unnecessary... Does it apply to British citizens as well? "If there is anything you don't like about Britain then just emigrate"...

bigmatt1174

callum9999 wrote: »

Precisely the opposite. In ASDA the policy is you cannot swipe the cards - period. It's because they "know their jobs" that your card is being declined.

It's a fairly solid policy that has been in place for a while - if it's against the merchant agreement, then I assume there is some kind of informal agreement where the merchant turns a blind eye to it. It's certainly a justifiable (though annoying) policy.

How does this work then with the express tills, as it does tell you that if you do not have a card with a chip to swipe it down the side of the monitor? It can't be a solid policy then as they operate 2 systems within the store. There is also a pad for an electronic signature as well (similar to when a courier delivers goods). If it can be done at one till why not another?

callum9999

bigmatt1174 wrote: »

How does this work then with the express tills, as it does tell you that if you do not have a card with a chip to swipe it down the side of the monitor? It can't be a solid policy then as they operate 2 systems within the store. There is also a pad for an electronic signature as well (similar to when a courier delivers goods). If it can be done at one till why not another?

No idea as I've never tried it - they are generally covered up and tell you to seek assistance though, so I'd assume someone would just come over and tell you that you can't do that anymore. I don't see why they would be banned from the checkouts but not from the self-serve machines (which if anything, are surely an even bigger target for fraud!).

pcombo

callum9999 wrote: »

Seems rather unnecessary... Does it apply to British citizens as well? "If there is anything you don't like about Britain then just emigrate"...

I think you will find british people do emigrate because of problems here.

I blame liberals myself.

callum9999

pcombo wrote: »

I think you will find british people do emigrate because of problems here.

I blame liberals myself.

Well duh... But you just basically said "any foreigner who doesn't like any rule in Britain should leave" - does that also apply to British people?

I blame people like you myself. It's certainly one of the biggest factors in my personal decision to emigrate.

Kildare

My manager is based in the US and all of his cards are non-chip and pin. Although places in central London are generally happy to swipe them, he does sometimes get a refusal and have to try another card.

I asked him why he doesn't have chip and pin and he told me "no bank in the US would issue chip and pin because of the high levels of fraud! Chip and pin isn't safe" !!