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﹖

totori

I agree with you coz now the responsibility is passed to the customer. Also the mastercard technology,  Quick Swipe thing, that does not require to sign or enter pin is even more ridiculous. Although there is a $50 limit but still it's a hazzle to report if a thief got your card and keep doing $50 transaction...

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。。。

ricrick

無得避，e家全部新card都有chip，最麻煩就係去食野碌卡要起身出去打pin

ricrick

原帖由 Littleprince 於 2009-2-18 14:31 發表
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 ...

所以吾好set個limit甘高，同埋好多時card center 都好醒，見到有咩異樣會立刻打比你然後block左張card
我試過幾次買貴野都即刻打黎問

如果係打劫，好多時多可以claim得返

ricrick

原帖由 Littleprince 於 2009-2-18 14:31 發表
銀行戶口都有上限﹐ VISA 好似係無的

嘩！小王子小姐果然係皇族，有無limit既credit card

tofu

"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 ..."

hm......as i know, they can only try your pin for three times in total(doesn't has to be the same machine or same day), then the system will block your account.  at least debit/visa cards from canadian bank are like that.

of course the new pin system is try to protect the card center la, but i believe they try to eliminate those people who handover their cards to their friends/children.

siumaibb

Who about online purchase??

B仔

簽卡要按密碼，咁不如用DEBIT好過。。。只係冇得草分。

fibbi

Which visa has this pin and chip thing? I don't like it too...