ChatterBank1 min ago
Shopping with no PIN number.
9 Answers
How do the big stores plan to reconcile a conflict of interest if they refuse a sale because you forget your PIN, but these very same stores will accept online orders paid for with the same credit/debit card?
I'm mainly interested in Sainsburys who seem to have taken a hard line on the issue.
Can you imagine the chaos next week?
I'm mainly interested in Sainsburys who seem to have taken a hard line on the issue.
Can you imagine the chaos next week?
Answers
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It is the BANKS who are introducing PINS, not retailers.
IF a retailer accepts a pin card against a signature and there is a problem then the retailer is responsible for the loss.
Online credit card sales come under different rules and different checking procedures are in place and retailers would not necessarily have to take the loss.
If you do not want to use a pin card then simply pay cash or a cheque.
Do not blame the retailers; they are simply applying the rules as laid down by the banks.
Don't forget that retailers have entered into a legally binding contract with a bank to accept credit cards in the first place.To ignore specific instructions can cause a retailer to be in breach of the terms and conditions of accepting credit/debit cards and could cause the facility to be withdrawn by the bank to the detriment of both retailer and customer.
From the majority of replies to both my posts on this subject it would appear that the Great British Public are once again allowing theirselves to be walked over by so-called authority.
What the hell happened to people power and the customer always being right?
Why should 99.9% be inconvenienced because of the illegal antics of the remainder?
This nation has turned into a load of wimps.
What the hell happened to people power and the customer always being right?
Why should 99.9% be inconvenienced because of the illegal antics of the remainder?
This nation has turned into a load of wimps.
I really can't see the problem with this..I presume at some time or another people use their cards to withdraw money from a cash point...you use your pin number then so whats the difference?
Its a lot safer than giving a signature which is conveniently on the back of your card for any thief to copy.
I'm not sure that anyone who can't remember a simple 4-digit number should be allowed to have a credit/debit card :-)
The obvious difference between an online purchase and an in-store one is that, to benefit from an online purchase of goods, you have to give an address to which the goods will be sent. Most companies will only deliver to the cardholder's address so it's very difficult for fraudsters to benefit from the theft of card details.
I also disagree that there will be 'chaos' next week. Most stores which I shop in have been refusing to accept signatures for at least 6 months. (One, in particular, adopted a strict PIN-only policy over a year ago - only making exceptions for chipless cards). Most people have been using their PINs for so long that anything else seems extremely odd to them.
Chris
The obvious difference between an online purchase and an in-store one is that, to benefit from an online purchase of goods, you have to give an address to which the goods will be sent. Most companies will only deliver to the cardholder's address so it's very difficult for fraudsters to benefit from the theft of card details.
I also disagree that there will be 'chaos' next week. Most stores which I shop in have been refusing to accept signatures for at least 6 months. (One, in particular, adopted a strict PIN-only policy over a year ago - only making exceptions for chipless cards). Most people have been using their PINs for so long that anything else seems extremely odd to them.
Chris
Why should 99.9% be inconvenienced because of the illegal antics of the remainder?
So what's your solution to credit card fraud then? And what's the inconvenience anyway?
From a programme on TV earlier today M&S and Argos were reported as taking a hard line.
Most other large stores (there were about a dozen surveyed, including Morrison and Tesco) would accept a signature but would phone (or go online to?) the bank to get authorisation first. It was warned that such authorisation would be refused (and the card blocked) if the card had been used with a PIN recently. It would be assumed stolen.
A third category hadn't converted to chip and pin machines.
Sainsburys were not mentioned in any of the categories.
No I can't imagine the chaos. Only about once in 6 months have I been behind someone at a supermarket checkout who had forgotten their PIN and needed to sign. Far more annoying to be stuck behind someone who pays by cheque and have gone over their card limit.
I don't see what all the big fuss is about. I have been living in Germany for the last nine years and there is no other way than to pay with your pin, if you are using a card.
And you can't even change the pin once it is given to you.
The thing, that would really annoy me, if I was in London this week, though, is that my bank managed to send me a new card two weeks ago, but the pin to go with it has not arrived, yet.
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