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I will always use Apple Pay if available, since it prevents tracking by evil merchants and leaks by hackers via unique credit card numbers. I do not understand
by cballard 11y ago
I will always use Apple Pay if available, since it prevents tracking by evil merchants and leaks by hackers via unique credit card numbers.
I do not understand why the US uses these terrible chip and signature cards, which were a repeated source of frustration for me in Europe this year, since they don't work anywhere.
Maybe they think Americans are too dumb to comprehend a PIN, despite having used them for years on ATMs? If so, why add the time-wasting signature? If we're not doing chip and pin (we should), why not chip and nothing? My signature is a different squiggle every time, there's no way they're doing computer vision on that in time to verify the transaction (if they could even decode it at all).
- hudibras 11y agoAs an American living overseas, it's already become ritualized for me: I hand over my chipped card, cashier plugs it into the machine and hands me the keypad, I politely shake my head and make the universal hand symbol for signing a check, cashier nods politely and pushes a couple more buttons to print the receipt, then I sign it. It's like living in the future!
- toast0 11y agoI have one atm card, and six credit cards. It's easy to remember one pin, but not seven. Also, typing a pin on a merchant controlled device seems like a terrible idea. (I try to only use the ATMs controlled by the institution that issued my card)
- bkor 11y agoChange your PIN? The problem with bank cards is when you swipe then, not if you dip them. Interestingly, the NFC bank cards are practically more safe because (at least in my country) you don't need to enter your PIN below 25 EUR. With the average transaction 10-12 EUR, there's way less options to capture the PIN. A signature can easily be faked. The cost of fraud is passed on so best to have it secure.