On Wed, 09 Dec 2015 17:14:23 -0500, John H.
wrote:


What PIN? I've received some new replacement cards with the chip but I
didn't see or read anything about a PIN number being required to use
them. Haven't tried any of them yet, so I guess I'll find out eventually.


A PIN is necessary for ATMs, but I've not been asked for one any other place.

It is a chip feature that they are not implementing here yet. In fact
I doubt the chip is really that much of an advancement besides the
fact that anyone with a stripe writer can clone a card.

Bear in mind banks never eat a dime of fraud. It is buried in your
fees and they make a profit based on their gross. They don't care it
is just vig on their business.

We should care.

Chip and pin is supposed to be better, until the crooks figure that
one out. (counterfeit "chip" card with a lot of money on it)