VISA Gold with no chip - many problems in UK

dzug1

piemaeu wrote: »

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.

What 'fine' would that be then? What court would impose it?

It's unfortunate there are so many uneducated people who don't know what a 'fine' is.

thenudeone

mattyprice4004 wrote: »

They don't have to take your card if they don't want to.

I work in retail and can't take cards without a chip. If you argued, you'd be evicted by Security. Can't be doing with people whining about nothing.

If a "security" employee used any force against me in circumstances like this, they would be committing a breach of the peace and I would immediately arrest them and call the police. This power of arrest is a power available to every citizen under common law.
http://www.yourrights.org.uk/yourrights/the-rights-of-suspects/police-powers-of-arrest/arrest-at-common-law-for-breach-of-the-peace.html

If they resisted, they would also be committing this offence http://www.legislation.gov.uk/ukpga/Vict/24-25/100/section/38

I'm surprised you manage to get by in retail if your view is that customers trying to buy your goods with valid payment methods should be assaulted by your security staff:eek:

piemaeu

dzug1 wrote: »

What 'fine' would that be then? What court would impose it?

It's unfortunate there are so many uneducated people who don't know what a 'fine' is.

I shouldn't really write things on here when I'm not concentrating.

However if a merchant refuses to take a card due to it not having a chip they are breaking terms and conditions that mastercard, visa, amex and discover have in place. The company/merchant who refused to take the card can face penalty if the problem is bad enough.

Solution.

Get rid of chip and pin. it is risky and full of fraud. it also shifts the losses of a fraudulent transaction from the bank to the card holder where a card holder present transaction is completed with chip and pin.

We really should just have swipe cards, there was never anything wrong with them,

reclusive46

piemaeu wrote: »

We really should just have swipe cards, there was never anything wrong with them,

We should have just adopted a system like in the US. All transactions are done online and any transactions under 25 dollars don't require a signature.

US fraud is really lower now.

dalesrider

Kildare wrote: »

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" !!

What a load of rubbish.

Funny how we still see counterfeit cards in the US. Yet here in the UK we don't..... Unless they are chipless cards in the 1st place.

Cast your mind back to when you had to sign at a retailer.... How many actually checked the signature.

henlans

I was under the impression that if your card does not have a chip then most will swipe it. I would suggest you open a UK bank account and have your money put into it.

I have a US bank account and my card does not have a chip, however I not had any issue using it.

piemaeu

dalesrider wrote: »

What a load of rubbish.

Funny how we still see counterfeit cards in the US. Yet here in the UK we don't..... Unless they are chipless cards in the 1st place.

Do you're homework!

Actually dear chip and pin cards can be used fraudulently. There has been lots of programmes on the news and tv shows. Have a look on youtube.

Chip And Pin is not safe