Question about the early days of chip and pin cards in the UK

deadendwaterfall

When the rollout of chip and pin was announced by the banks, were even new non chip and pin cards customers had recently received when their old ones expired compulsorily replaced with chip and pin ones, or were customers allowed to use non chip and pin cards until the card's expiration?

So for example I had a bank account with Halifax in 2004, and my old card expired in August 2004, and I got a non chip and pin replacement card and then in October, the rollout of chip and pin cards is announced, would I have been allowed to use my old card until expiry, or would they have given me another new one with chip and pin even if the previous one was only a month old?

[Deleted User]

You would have kept your old card and issued a chip and pin card when it expired or if you had to order a replacement.

eskbanker

deadendwaterfall wrote: »

When the rollout of chip and pin was announced by the banks, were even new non chip and pin cards customers had recently received when their old ones expired compulsorily replaced with chip and pin ones, or were customers allowed to use non chip and pin cards until the card's expiration?

So for example I had a bank account with Halifax in 2004, and my old card expired in August 2004, and I got a non chip and pin replacement card and then in October, the rollout of chip and pin cards is announced, would I have been allowed to use my old card until expiry, or would they have given me another new one with chip and pin even if the previous one was only a month old?

It wasn't introduced instantaneously, so there was a lengthy project between original industry announcement in 2003 and full go-live (with significant effort from all retailers, not just banks) in February 2006, and it obviously would have put even more massive strain on the banks if they'd had to replace their entire populations of credit and debit cards in one go!

EssexExile

As I remember it cards were replaced with chip'n'pin cards as they expired.

JezR

Cards with chips started to be issued in a small way as far back as 2002 even though there was no retail infrastructure then. The main roll-out was from October 2003, and the option to use swipe withdrawn on Chip+Pin cards on 14 Feb 2006. By then there were 140 million cards out, and for most issuers this introduction period covered their normal cycle. There were some exceptions; Amex for one was late in starting to issue C+P cards, and I certainly had a stripe-only card well after 2006.