Credit (aka new bane of my existence)

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Sep 13th 2010, 4:42 am

#16

Duncan Roberts

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Re: Credit (aka new bane of my existence)

Quote:

Originally Posted by fatbrit

It's not chip and pin because you can always opt to sign instead.

Yeah, definitely not chip and pin, but not all stores give you the option to opt out. Costco is a prime example.

Sep 13th 2010, 5:08 am

#17

lansbury

Joined: Apr 2005

Location: Milwaukie, Oregon

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Re: Credit (aka new bane of my existence)

Quote:

Originally Posted by avanutria

Well, all the supermarkets have you put/swipe your card in a device and then enter your pin; if that's not chip and pin then it's something close enough for me...!

It isn't chip and pin as there are no chips in any credit or debit card I have.

Sep 13th 2010, 5:24 am

#18

TimNiceBut

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Re: Credit (aka new bane of my existence)

Quote:

Originally Posted by Jerseygirl

You'll have the same experience with car insurance...you will be classed as a new driver.

If you're very lucky, your insurance agent or company might actually take into account that you've been driving abroad. The Lizard at least pretended they did

but nevertheless the insurance *will* be higher in the US anyway.

Sep 13th 2010, 1:33 pm

#19

avanutria

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Re: Credit (aka new bane of my existence)

Quote:

Originally Posted by TimNiceBut

If you're very lucky, your insurance agent or company might actually take into account that you've been driving abroad. The Lizard at least pretended they did

but nevertheless the insurance *will* be higher in the US anyway.

Progressive did this too, but I had to talk to them on the phone for them to throw the magic switch. The online quote stuff didn't factor in the fact that the reason we hadn't had prior coverage was because we had been overseas.

The magic switch cut our renewal rate in half.

Sep 14th 2010, 8:42 am

#20

oicur0t

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Re: Credit (aka new bane of my existence)

on the chip and pin note.... it's not really a good thing. It removes responsibilty from the institution and places it on the card holder.

Sep 14th 2010, 9:13 am

#21

meauxna

Joined: Apr 2002

Posts: 35,082

Re: Credit (aka new bane of my existence)

Quote:

Originally Posted by avanutria

Well, all the supermarkets have you put/swipe your card in a device and then enter your pin; if that's not chip and pin then it's something close enough for me...!

That's the devil debit card deal.

Sep 14th 2010, 1:47 pm

#22

Rete

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Re: Credit (aka new bane of my existence)

Quote:

Originally Posted by MsPrufrock

I'm not entirely sure the patronising tone of your reply was needed, but thank you for the stern telling off.

Oh well, some people just don't like to hear the truth. Patronizing and stern? Moi? You must be joking little one.

Sep 15th 2010, 11:34 pm

#23

BMP

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Joined: Sep 2010

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Re: Credit (aka new bane of my existence)

Quote:

Originally Posted by oicur0t

on the chip and pin note.... it's not really a good thing. It removes responsibilty from the institution and places it on the card holder.

what? yes users must be responsible for their pin, and if they have delibrately shared it they are liable but if they haven't they aren't. almost all credit card fraud with UK cards now occurs abroad - for which users are covered.

I'd ask has the user used chip and pin card? Have they had their credit card details stolen?

from someone who can say yes to both let me state my opinion is that chip and pin is genius - i am always paranoid about the one US credit card i have in my wallet.

http://www.statesman.com/business/te...er-899136.html

in addition my USC wide was shocked when i told a friend i would transfer them the money to their account wirelessly in the UK!! i still don't think i can do this with my US account...