Chip and signature-has anyone got one

trubster

Dont talk Tripe

Chip and pin is not safe, and by using it, all you are doing is agreeing that if your card does get cloned that the card issuer does not pick up the tab, you do!

I hope this happens to you so you know what it is like to be told to get lost by your bank, would you still say chip and pin is great?

paulinespens

30111987 wrote: »

As a sales assistant (part time) I would like to see chip and pin AND signature on sales over say £100.
The whole pin things lead to loads of problems of people using partners/husbands/wives/stolen cards. Occasionally our till system reverts to signature and that catches these people out.

Best of all was the RBS Switch cards that used to have the photo on the back in addition the signature. Now that was proper security and it didn't take any time to check.

The photos don't work with counterfeit cards. If I made a couterfeit card I could put my pic on it if I was a using a dodget card.

Tootsie_Roll

trubster wrote: »

Dont talk Tripe

Chip and pin is not safe, and by using it, all you are doing is agreeing that if your card does get cloned that the card issuer does not pick up the tab, you do!

I hope this happens to you so you know what it is like to be told to get lost by your bank, would you still say chip and pin is great?

I talk facts based on evidence - I leave the tripe to others.

James

Tootsie_Roll wrote: »

And as I have pointed out to you numerous times most ATM's are now all chip read only.

Stick with chip & pin folks - far safer.

Tootsie Roll, you obviously never caught ITV's Manhunt on the 29th February? Yet again a TV presenter used cloned cards with PINs which worked in 2 out of 5 ATMs. This was in London I beleive.

Can I also draw your attention to Banks Own Savings Cards, (i.e like Nationwide's Cashbuilder Card). These cards aren't Chipped yet work in most ATMs.(Nationwide have no intention at present of Chipping these cards - I asked them).

But the whole point is that UK, credit cardhodlers are having their cards cloned, PINs pinched and the cards used either at home or abroad in ATMs.

Now imagine a completely Chip & PIN environment. Crooks would without doubt target the weakest in society. I can't see an ATM stopping them. Can you?

I can only conclude that it is Safer to sign than to PIN.

Personal choice.

trubster

paulinespens wrote: »

The photos don't work with counterfeit cards. If I made a couterfeit card I could put my pic on it if I was a using a dodget card.

But could you put the UV Hologram on it? and make it look the same as a genuine?

PBA

Thought we'd seen the back of you spewing your garbage James, seems I was wrong. Anyways...

There is no security issue with chip and PIN. None. If you remember your PIN, don't write it down, and keep your cards with you then there is no chance that you can be a victim of fraud via chip and PIN.

Chip and Sig exists due to the disability discrimination act, to allow people who have a disability which prevents people from remembering a 4 digit number to carry on being cardholders. While anyone can ask for a chip and sig card, this could backfire when and if fraud is committed against you and the bank asks for proof of the disability. If you can't prove that you had taken every possible precaution against fraud then you could easily be liable.

The most sensible advice I can give is to store the numbers of the lost/stolen dept at your bank in your phone. Keep a note of these numbers at home too in case your phone gets stolen as well as your cards. If your cards get stolen or lost call your bank/card issuer straight away and then you have nothing to worry about, whether or not it's sig or PIN.

trubster

Ok, hasnt anyone on here been watching the news about the Petrol Stations, and Watchdog, where they showed a rigged Chip and Spin terminal and used a cloned card, the transaction was autorised and the retailer and customer were non the wiser until the statements came through

The only positive thing about chip and pin is that the retailers and banks are better proected against fraud, but the blame is passed onto the customer.

PBA

The thing on Watchdog was chip and PIN readers capturing the mag stripe data from the card. This was then sent offshore and used to make transactions in countries where chip and PIN had not yet been installed. This would then be refunded by the bank as soon as it could be proven to be fraud, and no reason that thip and PIN would make a difference as chip and PIN wasn't present in the countries where the fraud took place.

trubster

no, I mean the clip of the cafe/book shop, not the one from boots where the assistant was swiping the card on the card catcher and writing the pin down.

At the cafe the customer put his pin in the wireless chip and pin terminal and the card details and pin number were transfered to the other persons laptop/bluetooth headset

PBA

Of course it's all well and good them having details of the card, but without the card actually physically being in the fraudsters' posession then surely there isn't a problem.