This is supposed to be the new way to pay. Has anyone used it? Was the pin number the same as your cashpoint pin number?

Im bothered about not being able to remember it.

Yup.

Been confusing old ladies for weeks with it. Good idea, as soon as people realise what it is.

"why do you need my number?"
"i'm not taking cash out"

some old biddy made everyone turn round, whiile she was putting her number in the keypad. One thing that bugs me, is how many people dont know their pin. I'm always using it to get cash, i could never use me card for everything

salsa spouted:
Was the pin number

personal identifaction number number?


and yes, its the same as the cashpoint.

It is one and the same. You will also need to know your CC pin if you use your CC too.

Oh well, I should give up on using my credit card then, because I have no idea what the pin is for that.

At the moment I dont have a chipped card so im okay for switch. Fingers crossed Royal Bank of Scotland take forever to get their arses around to this.

I think within the next year the majority of people will definately be switched over. I already have been.

i use it, it takes loger becuase they shop guy has to use two machines but i supose its secure.

never seen anyone do it at a restraunt though, how would that work?

is this the thing with the little keypad you put your number into?

everywhere uses that here in germany and holland too

It's more secure because the equipment is supplied by the banks and does not store your details. Obviously, in time there will no doubt be equipment that will, but I presume this would be traceable again, etv.

pb468 spouted:
i use it, it takes loger becuase they shop guy has to use two machines but i supose its secure.

never seen anyone do it at a restraunt though, how would that work?

A restaurant I go to is trialling hand held ones, that they bring to the table.

Dont you get a reminder of your PIN with the new card anyway? Im sure I read that somewhere. They better do, I have no idea what my credit card PIN is.

If you already have a current pin, then no. If you get them to change it, yes.

You can ask for a new PIN to be sent to you at any itme, just phone your bank.

I like the idea, I feel more comfortable that my card is protected by a number personal to me and not a squiggle clearly written on the back of a card which the spotty sixteen year old behind the till at the supermarket never actually looks at carefully anyway.

If I can't remember a code, what I do is use words and my mobile. ie dogbomb would be 36442662 because those are the keys you'd use to type it into a mobile.

(note, '36442662' is not a PIN for anything I use so don't get ideas!!)

I tend to use a pattern on the keypad, its easier for me to remember than a number.

The only one I've seen so far is random... usually you sign as normal, but on occasion it picks a transaction that requires a PIN. Only ever signed at it.

Good job really - haven't a clue what my CC PIN is! Will have to get a new one.

I don't use CC's anymore. Bad news.

are you guys talking about interac? (your bank card is swiped, either by you or cashier, etc. then you enter your pin and account (savings, chequing) on something that looks like an accountant's old-timey calculator?

nope, they have a machine they put your card in now, which reads the chip on it, and then you have to enter a pin number rather than sign for it.

yep, that sounds like interac. no signing, just "ok" the amount that appears.

Actually, Sally, it is like a calculator you get to put your pin number into. It helps in that you can change your number instantly and even if someone else DID know it, they don't now.

I remember around Christmas there was advertising saying, all Credit and Debit payments will be via chip and pin within 12 months, well we're 5 monthe into the year and none of my credit or debit cards as far as I know can do pin payments, I don't even have a pin no for my credit cards, and I don't know anyone using this system, so what's happening does anyone know?

Most shops now have a little machine next to the till with push buttons on it, thats the machine that will work.

My sister has had to use it.

it's everywhere over here. but it is safer than a credit card.

J Arthur Rank spouted:
none of my credit or debit cards as far as I know can do pin payments, I don't even have a pin no for my credit cards, and I don't know anyone using this system, so what's happening does anyone know?

Actually, chances are that if you had a card within the last year or two it will already have the chip on it. Also, your credit cards do have a pin no. you just don't know what it is :)

They've been doing this in Northern Europe and Scandinavia for ages. Seems to be working well, too.

I have to admit, though, that I destroyed my Credit Card pin without reading it. The last thing I want to be able to do is draw cash on my credit card, ffs :)

Exactly, and to be honest, if you doln't know it, it will help you stop spending on your CC.

That's true enough...

Glad I only have one, as it went to the limit before I knew it! Impossible to pay off too, so I'm stuck paying interest for the forseeable future. Stay away from them.

(Only exception being for things like online gaming subscriptions where you have no choice... but *only* use it for that)

Saw these things on my visit to the states last year - whack the card in and press debit or credit and bung in the number if it was debit.

only thing I don't like about it all, is only having a four digit number as your PIN. would prefer six or so - easier to mask and harder to guess if someone is being observant.

i believe your code (here anyways) has to be between 4-6 digits/letters.

Maybe it's just me, but Chip and Pin sound like video game characters :) I can just see them bouncing around jumping on top of monsters.

Actually, Chip was brother to Dale both of whom where monks. As for CC's... tell me about it, my credit limit as more than doubled since I have been only paying it off.

Oh yeah, I remember Chip and Dale. I still think Chip and Pin sound like characters though :)