It seems (correct me if I'm wrong) you're assuming I'm not from Europe/not using DirectDebit. If that's the case: Both isn't true - I own a CC for roundabout 3

It seems (correct me if I'm wrong) you're assuming I'm not from Europe/not using DirectDebit. If that's the case: Both isn't true - I own a CC for roundabout 3 (4?) years, but don't trust it/don't use it a lot. That said: I see a weird trend over here as well - it seems stores are regularly switching between the card&pin method and the braindead 'just sign here' way of things. So my card can probably be abused, albeit not online and not at any ATM. I don't think we disagree a lot: There are still huge gaping holes that aren't hard to exploit. But that's still no reason _not_ to use the card&pin system (-> see article). We shouldn't stop there and wear a smug face, 'Europe is secure, we are done'. But in the light of this article we're still better off.