4 ms·

None of mine have a PIN as far as I'm aware.

by milkytron 6y ago

chrisseaton 6y ago
How do you authorise payment?
- pyromine 6y ago
  You have the card. Not a joke, that's really it
- umanwizard 6y ago
  Debit cards have PINs; credit cards don’t (edit: or maybe they do, but I don’t know what mine is). For credit cards usually just presenting it physically is enough to authorize anything. Online you usually have to provide the card number, verification code (printed on the back of most cards), and postal code of the billing address.
- SaintGhurka 6y ago
  Just insert your card. That's it. Occasionally they ask you to sign on the past or hit the ok button but usually not even that.
  - chrisseaton 6y ago
    If someone steals your wallet, or just picks it up off the street after you drop it, what stops them burning through tens of thousands of dollars before anyone notices? I know you can claim it back due to consumer laws... but who's covering the actual goods and services that are consumed until they get to your credit limit?
    - SaintGhurka 6y ago
      Nothing. And algorithms. I've had a card number ripped off via an online retailer and Visa figured it out on the first fraudulent charge.
      - chrisseaton 6y ago
        Right... but someone somewhere must be paying the bill? If I buy a sandwich with a card I found on the ground and get away with it who's paying for that sandwich? The card owner? The store owner? The card provider? In the UK it's the store... unless they made you use chip and a PIN. Which is why they all use the chip and a PIN. Then it's the card provider, but it's not because the chip and PIN prevents fraud before that point. I think the card provider eats contactless payments because they encourage more of them so it adds up in the end.
        toast0 6y ago
        In the US, if it was a chip and nothing transaction, the bank probably covers it. If it was a magstripe transaction not at a gas pump, the merchant covers it. Card holder liability on timely reported loss or stolen card is capped at $50 or something.
- dylz 6y ago
  US only uses chip (and chip is optional in many places!!!! , if you scratch it out it'll fail a few times then let you swipe) (and signature). There is generally no chip and pin. Some older terminals hard crash on PINs on credit. Some older terminals hard crash on PINs exceeding 4 chars
ars 6y ago
They do have a PIN, you probably just don't know the number. Go on your Credit Card website and there will be a place to request that they send you the number.

None of mine have a PIN as far as I'm aware.

chrisseaton 6y ago

How do you authorise payment?

pyromine 6y ago
You have the card. Not a joke, that's really it
umanwizard 6y ago
Debit cards have PINs; credit cards don’t (edit: or maybe they do, but I don’t know what mine is). For credit cards usually just presenting it physically is enough to authorize anything. Online you usually have to provide the card number, verification code (printed on the back of most cards), and postal code of the billing address.
SaintGhurka 6y ago
Just insert your card. That's it. Occasionally they ask you to sign on the past or hit the ok button but usually not even that.
- chrisseaton 6y ago
  If someone steals your wallet, or just picks it up off the street after you drop it, what stops them burning through tens of thousands of dollars before anyone notices? I know you can claim it back due to consumer laws... but who's covering the actual goods and services that are consumed until they get to your credit limit?
  - SaintGhurka 6y ago
    Nothing. And algorithms. I've had a card number ripped off via an online retailer and Visa figured it out on the first fraudulent charge.
    - chrisseaton 6y ago
      Right... but someone somewhere must be paying the bill? If I buy a sandwich with a card I found on the ground and get away with it who's paying for that sandwich? The card owner? The store owner? The card provider? In the UK it's the store... unless they made you use chip and a PIN. Which is why they all use the chip and a PIN. Then it's the card provider, but it's not because the chip and PIN prevents fraud before that point. I think the card provider eats contactless payments because they encourage more of them so it adds up in the end.
      - toast0 6y ago
        In the US, if it was a chip and nothing transaction, the bank probably covers it. If it was a magstripe transaction not at a gas pump, the merchant covers it. Card holder liability on timely reported loss or stolen card is capped at $50 or something.
dylz 6y ago
US only uses chip (and chip is optional in many places!!!! , if you scratch it out it'll fail a few times then let you swipe) (and signature). There is generally no chip and pin. Some older terminals hard crash on PINs on credit. Some older terminals hard crash on PINs exceeding 4 chars

ars 6y ago

They do have a PIN, you probably just don't know the number. Go on your Credit Card website and there will be a place to request that they send you the number.