this post was submitted on 24 Nov 2024
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Also "They took my card". That is apparently an American thing.
Hell we still sign a receipt an we only just got them chips recently
Do you guys still do the hilarious chip & sign thing or have you finally switched to using a PIN?
You think that's hilarious? There are a lot of places in the world that still do a manual shhk-shhk of a card only a few years ago. Now that most cards don't have raised digits, they'll write it down. If they even take a card.
Places where the Internet goes down if it rains and there is no mobile service. Imagine the horror.
The other side of the coin - paying with debit (which has a pin) is stupid in the US. Unless you can't control your spending, credit card is the way to go for every legal purchase you don't mind being tied to you forever. CCs have far superior consumer protection than the law.
Not only that but many of them give you cash back, so if you never carry a balance (and therefore never pay interest), and don't use it wherever they charge a credit card service fee, it's basically a free discount almost everywhere.
Funny thing, we didn't do chip and pin because the credit card companies thought we were too stupid to figure it out, in spite of the fact that we already used pins for debit cards... We now do have chip and pin, but only for bank/debit cards
Yes, the former. This country mannnn
We just do chip, no sign unless it's over some threshold (must be pretty high since I've spent nearly $1k at a single Costco trip). I've never used a PIN on a credit card, and I haven't needed so sign anything in years unless it's a contract of sorts.
In Canada, they have the wireless chip readers everywhere. It was nice since a large chunk of stolen credit cards are when employees scan it before charging it.
Some places in the USA is starting to do the same thing. But yes, the US is way behind.
They have had wireless chip readers for years, but many restaurants still take your card anyway. Some places bring the payment device to you, which is nice, and some have it there always so you can see exactly what's on the bill (sometimes you order on it too).
But taking the card is a cultural thing, not a tech thing. Even back before wireless readers were a thing, they still had portable payment terminals and could have you swipe there or have you pay up front on the way out. It's not an issue at all.