PIN's and credit cards.

[Bettina Jodda (Twister)]

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Hi, Peter

Am  Saturday 16 November 2002 05:08 sed Peter Fairbrother folgendes:

> > Hardly any shop accepts only a credit card and the signature - the PIN is
> > necessary.
> >
> :(

One question for my information:
what is the system like in America and England?
I mean, you have your credit card and then?
you do not have an ID-card or do you?

> What happens if someone like me, who does not have a PIN and doesn't carry
> cash, comes along? Washing dishes? PIN's are unusual in the UK, and unheard
> of except for use in ATM's.

Well, I think some restaurants, where you have stickers on the entrance-door 
saying "visa accepted" etc. will accept credit cards only with your 
signature.
But:
you give them your card
you sign the bill
they compare the bill and the card and they the signature is okay

What happens if someone stole your cc?
I mean, your signature is on the back, or not?


Usually - if you go to a supermarket for example, you are requested to give 
your PIN. If you can not remember it - forget it.
(happened to me with my account-card --- not very pleasant. I had my ID-card 
with me which helped but apart from that it was quite unpleasant..)

> Back to cash? I personally don't need the credit and just use CC's for the
> convenience. I know the Continental practice gives less CC "fraud", as
> measured by the banks in terms of refunded payments, but if I'm supposed to
> take liability for the bank's insecure practices then any convenience
> disappears fast...

That is the problem.
I think this is why for example some American states have decided that someone 
using a cheque has to give his fingerprint (the cheque could be stolen).
But what happens next?
your cc could be stolen.
even your ID card could be stolen
or the money could be stolen.
So "transponder" for any money to trace it back?
nice toy for the marketing-companies etc....

Again - it is the decision between security (getting money back in any case) 
and liberty ( not getting your money back sometimes but in exchange feeling 
not like a "traceable toy")
I fear I know the decision of many people

Twister

- -- 
Wer der Demokratie die Lebensluft zum Atmen erhalten will, muss dafür 
streiten, dass dieses Land nicht weiter mit Riesenschritten auf dem Weg in 
den Überwachungsstaat marschiert... (M. Kutscha)
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