VISA Chip & PIN Technology Chip, VISA, PIN, Technology, amp

Littleprince

Visa 最近推出 Chip & Pin Technology﹐ 信中話對我們比較有保障窩。。。

我就看不出保障在哪兒

我用開的卡不嬲都有 CHIP 的﹐我覺得 CHIP + 簽名已經好好﹐因為無咩人冒得到我的簽名﹐若是商戶不對簽名該是他們負責損失才對。。。

要在別人面前按密碼已使密碼給人看見的機會增多﹐何況人家若窺見你的密碼﹐馬上隨後拿了你的信用卡去拿錢﹐損失咪仲大﹖我張卡一向不 SET 密碼的﹐我當然知道 DEFRAULT 左同 DEBIT CARD 一樣 (若你同時擁有銀行戶口)﹐但起碼不需要時時在人面前按﹐減低被人看見的風險。。。

我不明白保障了甚麼﹐有人知道嗎﹖

我看是保障 VISA 自己多一點吧﹖

加拿大商戶從不對簽名的﹐我覺得這是商戶需要負的責任﹐若現在有了 PIN 改為不需要簽名﹐將來被盜用信用卡就水洗都唔清﹐好難拗得甩﹐我考慮緊取消呢張卡了。。。

大家呢﹖覺得呢個 Technology 係好定壞呢﹖

Littleprince

最近先有個朋友中了招﹐她給人偷銀包﹐半小時內報案﹐這人試她密碼試了好多次 (去每部機試兩次﹐共試了十幾次)﹐半小時內已取了幾百蚊。。。唔好信甚麼 $50 責任﹐呢個只係話你報左警 (或最少已報失)之後的責任﹐報之前則是你的責任。。。我朋友便損失了數百元了﹐真無辜 。。。因她比偷後半小時才發覺。。。

以前有朋友被偷二十幾小時才知自己失去錢包添﹐他更慘。。。唔見幾萬港元。。。

若開始這樣﹐我最怕D賊脅持我們去提款機由 VISA 取錢﹐銀行戶口都有上限﹐ VISA 好似係無的﹐到時就慘了﹐又或者﹐像我前面說的例子﹐他偷看了密碼﹐偷卡﹐馬上取錢﹐我們就損失慘重了。。。

Littleprince

原帖由 fibbi 於 2009-2-18 15:40 發表
Which visa has this pin and chip thing? I don't like it too...

here:
http://www.rbcroyalbank.com/RBC: ... rds/chip/index.html

I think very soon all visa will be the same

Littleprince

原帖由 noa 於 2009-2-18 15:41 發表
"呢個只係話你報左警 (或最少已報失)之後的責任﹐報之前則是你的責任"

係?我個次比人偷卡, 有條數係報警前, 但card centre 都話條數我吾使負責...
但如果報左警張card 都即刻(almost...)比card centre cut左, 錄都錄 ...

唔知呢﹐可能按個別情況。。。你那次是多少錢﹖

Littleprince

原帖由 noa 於 2009-2-18 16:14 發表


叫過, 過一排又加, 又或者輪到第二張想加...一兩次之後我已經覺得好麻煩~~

係喇﹐VISA 的 SECURITY DEPT 當晒個個都係賊﹐問野問到人好討厭。。。

有次我只係打去叫他們登記低資料﹐因為我就快去旅行﹐唔想將卡碌唔到﹐足足響電話搞左半個鐘﹐問呢問路﹐煩到想收線﹐語氣又差﹐又要等﹐仲有﹐他問 SIN 唔好答第樣﹐因為我的 SIN不在身旁﹐我話﹐你問過第樣喇﹐無卡響身﹐問乜都答得出除了 SIN﹐但他們死不妥協﹐唯有死死地氣去找張卡出黎

我發覺用 EMAIL 同他們聯絡最好﹐不過我用 RBC 咋﹐唔知其他銀行有無呢個服務。。。

Littleprince

原帖由 noa 於 2009-2-18 15:55 發表


只不過是幾舊水~~
加塊chip無甘容易比人dup張假卡出黎o麻~~

add chip I appreciate, but not PIN lor

Littleprince

原帖由 fibbi 於 2009-2-18 16:45 發表
Ai Ya...I use RBC card as well....And I don't like those PIN either... Guess I can't avoid it.
Yeah talking about visa limit. It just keeps going up out of no reason. There is one time I call card cen ...

not out of no reason, there are 2 reasons:

1) they have to meet their goals (they have a goal to increase ppl's limit, that's true)
2) you have good credit...

only ppl have bad credit won't be increased their limit, try it yourself, if you are paying min every month for a year, or even skip some payments, they won't increase yours

Littleprince

原帖由 fibbi 於 2009-2-18 17:04 發表


But they increase my card limit to more than what I have in the account wor...that doesn't make sense.
(not that my card limit is a lot, I just don't put that much $ in that account la)

they have a formula to calculate based on your income, credit history, etc....
nothing to do with your income or what is in your bank account, they don't care... they can increase your limit way higher than what you made... you can see from HK examples, somebody got 6x they salary as their visa limit, they are hoping that you cannot afford then you'll pay only min. so that they can charge you high interest (more than 40% annually compound interest plus whatever you purchase afterward), don't ever fall into those trap, my friend....

Littleprince

呢度有無人唔知﹐若果你欠 VISA 或 MASTERCARD 錢﹐即使每個月 PAY MIN。﹐你之後所買任何野都要比好高利息﹐重要係日息﹐貴過大耳窿﹐大家請小心。。。

若果已經欠債又無錢還﹐去做一個 CONSOL LOAN 全部把它還掉比較好﹐這樣你再碌 (即係 ZERO BAL 再碌) 就唔會比利息﹐只要照 DUE DATE 前還就唔會有事。。。

[ 本帖最後由 Littleprince 於 2009-2-18 17:37 編輯 ]

Littleprince

原帖由 news 於 2009-2-19 09:08 發表

huh? how ceom they ask for your sin number? i called several times for trips and stuff and they never asked me for the sin number ga wor..haha..did u ask them why they need the sin number?

他們核對我的身份丫嘛。。。

我無問點解呀。。。