Wxx3
Dauntless Award
- Joined
- Jan 10, 2013
- Messages
- 2,820
- Location
- USA
- Vessel Name
- Dauntless
- Vessel Make
- Kadey Krogen 42 - 148
I'm feeling feisty today, so reading the other thread about CC fraud, I'd think I will throw something out there for you guys to think about.
For the last few years I have had running discussions (battles) with my various credit card issuers over the then coming new Chip & Sign cards.
Now, as many of you know, I travel a lot and spend a lot of time in Europe, even before the Dauntless Days.
Chip & Pin cards were introduced in Europe about 10 years ago. By 2014, they were everywhere in Europe, but jsut being issued in the USA.
I spend a year or two, 2013-2014, where it became every harder to use my non-chip cards. Places like the Netherlands had automated so much, that you had to pay for parking and at some point train tickets using your Chip & Pin card, which I didn't.
What a big PIA
So that's when I started calling my respective banks and credit unions to ask to get a Chip & Pin.
Was told that Americans were getting Chip & Sign cards because "Americans were too stupid to remember another Pin"
But I said that would not solve my problem.
Oh, they told me, of course it would, as all merchants would have to have the new card readers.
Now, don't get confused, your Chip & Sign card does have a Pin to use at ATMs, but only at ATMs.
I'd been hoping that initially I thought we could request a Chip & Pin card. I told them (the issuers) that in Europe, since everyone else has a Chip & Pin, the Sign was not going to work. instead, but again after many discussions, I was told, I did not understand.
So, where are we now.
With my Chip & Sign cards in Europe, we have gone from little security to NONE at all.
I used my C&S cards hundreds of times in the last two years. I stick the card in the machine, it prints out two receipts, I sign one and they keep one.
No one ever checks for signature or to see if it's even me. If I lose the card and don't realize it. Someone could use the card no problem forever.
So we went from little security to no security.
Oh, by at the numerous places, parking lots, train stations, etc with no attendants, no problem whatsoever now
Just stick your American C&S card in and Voila, it works, you don't need no stink'n PIN or Signature, NO Nuthin.:lol:
What a f...ing farce.
For the last few years I have had running discussions (battles) with my various credit card issuers over the then coming new Chip & Sign cards.
Now, as many of you know, I travel a lot and spend a lot of time in Europe, even before the Dauntless Days.
Chip & Pin cards were introduced in Europe about 10 years ago. By 2014, they were everywhere in Europe, but jsut being issued in the USA.
I spend a year or two, 2013-2014, where it became every harder to use my non-chip cards. Places like the Netherlands had automated so much, that you had to pay for parking and at some point train tickets using your Chip & Pin card, which I didn't.
What a big PIA
So that's when I started calling my respective banks and credit unions to ask to get a Chip & Pin.
Was told that Americans were getting Chip & Sign cards because "Americans were too stupid to remember another Pin"
But I said that would not solve my problem.
Oh, they told me, of course it would, as all merchants would have to have the new card readers.
Now, don't get confused, your Chip & Sign card does have a Pin to use at ATMs, but only at ATMs.
I'd been hoping that initially I thought we could request a Chip & Pin card. I told them (the issuers) that in Europe, since everyone else has a Chip & Pin, the Sign was not going to work. instead, but again after many discussions, I was told, I did not understand.
So, where are we now.
With my Chip & Sign cards in Europe, we have gone from little security to NONE at all.
I used my C&S cards hundreds of times in the last two years. I stick the card in the machine, it prints out two receipts, I sign one and they keep one.
No one ever checks for signature or to see if it's even me. If I lose the card and don't realize it. Someone could use the card no problem forever.
So we went from little security to no security.
Oh, by at the numerous places, parking lots, train stations, etc with no attendants, no problem whatsoever now
Just stick your American C&S card in and Voila, it works, you don't need no stink'n PIN or Signature, NO Nuthin.:lol:
What a f...ing farce.
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