In message , at 22:59:46 on
Fri, 24 Feb 2012, Charles Ellson remarked:
What credit card transaction requires a PIN? Those are strictly for
debit card transactions.

All UK transactions.

... other than on-line (or contactless?).

And several other classes of payment[1] transaction including many car
park pay machines and apparently the M6 Toll.

[1] As we seem to be in pedant's corner, a ToD or cinema ticket
collection is a transaction but doesn't need a PIN.
--
Roland Perry

On 24/02/2012 22:59, Charles Ellson wrote:
On Fri, 24 Feb 2012 21:42:40 +0000, Graeme Wall
wrote:

On 24/02/2012 21:20, Adam H. Kerman wrote:

What credit card transaction requires a PIN? Those are strictly for
debit card transactions.

All UK transactions.

... other than on-line (or contactless?).

Not actually come across any contactless credit cards in the wild yet.
On-line you need a different PIN, aka a security code.

--
Graeme Wall
This account not read, substitute trains for rail.
Railway Miscellany at http://www.greywall.demon.co.uk/rail

On Sat, 25 Feb 2012 08:26:56 +0000, Graeme Wall
wrote:

On 24/02/2012 22:59, Charles Ellson wrote:
On Fri, 24 Feb 2012 21:42:40 +0000, Graeme Wall
wrote:

On 24/02/2012 21:20, Adam H. Kerman wrote:

What credit card transaction requires a PIN? Those are strictly for
debit card transactions.

All UK transactions.

... other than on-line (or contactless?).

Not actually come across any contactless credit cards in the wild yet.

Barclays. Both debit and credit cards.

On-line you need a different PIN, aka a security code.

That is in addition to supplying the 3-digit code on the back of the
card (without which you won't get as far as the password challenge
which cannot be all-numeric) and the requirement for goods to be
delivered to the registered address.

In message , at 08:26:56 on Sat,
25 Feb 2012, Graeme Wall remarked:
Not actually come across any contactless credit cards in the wild yet.

I've had one a few years, but never used it (as a contactless CC) yet.
--
Roland Perry

On 25/02/2012 08:40, Charles Ellson wrote:
On Sat, 25 Feb 2012 08:26:56 +0000, Graeme Wall
wrote:

On 24/02/2012 22:59, Charles Ellson wrote:
On Fri, 24 Feb 2012 21:42:40 +0000, Graeme Wall
wrote:

On 24/02/2012 21:20, Adam H. Kerman wrote:

What credit card transaction requires a PIN? Those are strictly for
debit card transactions.

All UK transactions.

... other than on-line (or contactless?).

Not actually come across any contactless credit cards in the wild yet.

I know they exist, just haven't come across any.


Barclays. Both debit and credit cards.

On-line you need a different PIN, aka a security code.

That is in addition to supplying the 3-digit code on the back of the
card

Which is what I was referring to.

(without which you won't get as far as the password challenge
which cannot be all-numeric)and the requirement for goods to be
delivered to the registered address.

--
Graeme Wall
This account not read, substitute trains for rail.
Railway Miscellany at http://www.greywall.demon.co.uk/rail

On Fri, 24 Feb 2012 15:01:19 +0000 (UTC), d
wrote:
Hand cash over - walk out. If you can do that faster with a credit
card then I'd be interesting in hearing your technique.

You *always* have correct change?

Neil

--
Neil Williams, Milton Keynes, UK

On Fri, 24 Feb 2012 21:20:08 +0000 (UTC), "Adam H. Kerman"
wrote:
What credit card transaction requires a PIN?

Almost all of them in the UK and the rest of Europe.

Neil

--
Neil Williams, Milton Keynes, UK

On 24/02/2012 22:59, Charles Ellson wrote:
On Fri, 24 Feb 2012 21:42:40 +0000, Graeme Wall
wrote:

On 24/02/2012 21:20, Adam H. Kerman wrote:

What credit card transaction requires a PIN? Those are strictly for
debit card transactions.

All UK transactions.

... other than on-line (or contactless?).

Yes.

On 24/02/2012 23:00, Adam H. Kerman wrote:
wrote:
On 24/02/2012 21:20, Adam H. Kerman wrote:
Stephen wrote:
On 24-Feb-12 09:01, d wrote:
On Fri, 24 Feb 2012 07:13:13 -0700 Robert wrote:
d wrote:

He must be one of those bloody annoying people who insist on paying
for a 2.50 sandwich with a credit card and causing a huge queue of
****ed off hungry customers behind him.

That may have been true 10 years ago. Current terminals handle credit
card transactions far faster than cash and in most cases, don't even
require a signature if the value is under a certain threshold.

Hand cash over - walk out. If you can do that faster with a credit
card then I'd be interesting in hearing your technique.

In the US (and Canada, IIRC), sales tax is not included in the posted
price, so a customer doesn't know how much cash to hand over until the
total is computed by the cash register. Then, either the customer has
to count out the correct payment or the cashier has to count out the
correct change for a large bill.

Swiping a card is faster--much faster if the transaction total is under
the merchant's "floor", i.e. doesn't require a signature/PIN.

What credit card transaction requires a PIN? Those are strictly for
debit card transactions.

I regularly used my PIN on credit card transactions here in London.

I have no idea if a PIN would be required if you swiped it at a
US retail terminal.

No, UK credit cards also have a magnetic stripe on the back, so they can
be swiped through a US retail terminal. You just have to sign on the
transaction, rather than use your PIN.

What does Canada use, I wonder?

Sometimes, the bank will do a spot check and ask you to sign on a
transaction here in the UK, rather than just enter your PIN.

On 25/02/2012 00:50, Miles Bader wrote:
Robert writes:
Hand cash over - walk out. If you can do that faster with a credit
card then I'd be interesting in hearing your technique.

Except it doesn't work that way. What usually happens is that
customer stands there with a blank look until all items are rung and
total is available. Customer then proceeds to fumble through
wallet/purse, looking for correct number of notes, and that last
coin or two that they know is there somewhere. Cashier eventually
takes cash, recounts it and enters amount tendered in
register. Cashier then spends 30 seconds trying to figure the
appropriate number of each bill and coin to make up the amount shown
on the display. Cashier hands change back to customer who proceeds
to count it, eventually giving up on the higher math involved and
drops change on floor. Eventually customer collects things and self
and moves out of the way.

Contrast that with customer paying by card, who within certain
parameters, doesn't care what the total is, pulls card out while
cashier is ringing order and hands card to cashier as soon as order
is totaled. Cashier swipes card, hands card and receipt back to
customer who proceeds on his or her way.

Er, if it's the _same_ customer we're talking about, it's not going to
work that way. He's going to stand there with a blank look until all
items are rung and total is available, then slowwwwly pull out his
wallet, and fumble around looking for his card (even though he used it
5 minutes earlier), then drop it on the floor, forget his PIN, call
his wife and ask her, type it in wrong several times, and then argue
with the cashier for 30 minutes after his card is rejected. If it
_isn't_ rejected, he'll stand there blocking the line while he
slowwwwly fumbles around putting his card back in his wallet, dropping
the wallet on the ground, slowwwwly picking it up... and _then_ start
collecting his purchases...

-miles


.... which is why people can get annoyed here in London when somebody
uses their debit or credit card for making purchases.