General Chat

My son got his card stolen when he was at cashpoint, someone behind him (at a strategic moment) told him he had dropped £10 on the floor, when he bent to pick it up, the person behind must have reached over and taken the card from the machine. Son got his money from cashpoint, and later realised he didn't have his card, put a stop on card immediately, he wasn't liable for any losses, although the card had been quickly used in a few places.

just about got used to chip and pin now...was terrefied of forgetting my no to start with.....i find it okay as now pensions are paid into bank and i don't like cash machines i can pay for my groceries at the supermarket and get cash back which i feel is safer

A lot more stores will make chip and pin compulsary as well I think. I read yesterday that as from Jan 1st 2005, if someone signs for a card transaction and it is later found to be fraudulent, the store concerned will be held responsible if it is found that chip and pin could have been used for the transaction but wasn't, for whatever reason. The banks will refuse to reinburse shops for their losses and so if you don't know your PIN or haven't received one, it is likely that stores will refuse to take payment via your card. Sam

Sue from Langley, If you have a debit card such as Switch but no chip and pin number, contact your bank and tell them. They will then send you a number. Some people who have difficulty rembering them, are entering their pin numbers on their mobile phones. Rosemary(Essex)

Pain in the butt, but if enough of us went back to using money that would give them all a shock.

I sent hubby out recently to tesco's with my credit card which isn't a chip & pin one... he was able to put £40 on my card using the automatic tills with no assistant on it..... as he didn't have to sign for the purchases... How safe is that system?

Yes katz just like using a cash machine. Have to be so careful. I put my hand over the machine so people can't see what I'm typing in.

Haven't got any chip 'n' pin cards yet but am not convinced how safe they are. Was in a shop the other day, the lady in front used her chip 'n' pin and even though I wasn't that close but if I had chosen to I wouldn't of had any problem reading what number she was entering but I looked away. Had it been the devious sort behind her they only had to nick her purse and then could have had access to all her cards it she had the same number from the all. the need to make the keypad devices more secure and hidden. Kxx

Debit cards are being issued as chip and pin. also. Change your card numbers to something you will remember. Your cards if you have more than 1, can all have the same number. If you use the card regularly then it's unlikely you will forget this 4 figure number, even my 85yr old mum has got the hang of it.

Our local Somerfield has just introduced chip n pin & I haven't noticed the reference to the 2%. I have two bank debit cards and use them. I don't use credit cards. So what isn't regarded as a chip n pin card. My library ticket for one which I keep trying to give them.

cosy even (wouldnt let me type it in b4...

OMG! thanks all for your help on this....I'll now have to go to Somerfields wearing a...T.Cosy!!!! pmsl

Sue, don' t take this the wrong way, But If there is a date or anniversary that the M.I.L CAN remember, she can have that one put onto the card, the bank will do it........ I have three easy ones..........but i get em mixed up!!!!!LOL

Sue...any change is horendous for the elderly. BUT! Like when the money changed....we HAD to do it all in ONE day....god knows how much I lost that day lol I trusted every shop keeper and stood there with my hand out hoping I looked as if I knew what I was doing lol

It dosen't mean that you pay any extra for your bills, you will find that normally on your receipts even if you sign, it will say the same. I work for a supermarket and we have that question asked all the time, and I just tell them to ignore what it says. It will not cost you anything extra. You will also find that from next year you will not be able to sign for your receipts any more. As it will become law that you have to use the pin instead. Nicola

thanks steven i get it now. cheers glad i dont have to pay then,LOL. but now i should be paying less, PMSL :-)

thanx steve i wondered bout that

its called progress john like it or not lol

The bank gets 2% of every purchase made with a credit card in this country. What you pay stays the same, the thing that bugs me is that the store add on this 2% so they don't lose out but if you don't pay with a credit card you still pay the same price when really it should be 2% less! Steve.

Who has paid for all the new terminals to be put in the shops etc? The consumer in the end!