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On Wednesday, December 9, 2015 at 1:19:40 PM UTC-5, wrote:
On Wed, 09 Dec 2015 12:49:38 -0500, John H.
wrote:

On Wed, 9 Dec 2015 09:07:16 -0800 (PST), wrote:

On Wednesday, December 9, 2015 at 11:48:09 AM UTC-5, Califbill wrote:
wrote:
On Wednesday, December 9, 2015 at 7:28:38 AM UTC-5, John H. wrote:
On Tue, 8 Dec 2015 20:30:06 -0500, Alex wrote:

wrote:
On Tuesday, December 8, 2015 at 11:24:40 AM UTC-5, Mr. Luddite wrote:
On 12/8/2015 11:03 AM, amdx wrote:
On 12/8/2015 8:20 AM, John H. wrote:
So yesterday evening I get a call from my bank asking about my credit
card usage. Not
trusting the caller, I called the bank. Sure enough, my credit card
information had
been used at a Shell station in California for a $110 purchase. The
actual card was
still in my billfold, so somehow they got the number.

How? I don't know. But the card is cancelled. Right when I'm about to
order Christmas
presents. Pain in the ass. Luckily, the bank will get me a new card in
two days.

So...watch yourself.
--

Ban idiots, not guns!

When my daughter was off at college we had fraud on our card twice.
The first time about a Red Roof stay, $100 of stuff at a CVS and a
$200 steak dinner.
The second time, a bunch of around $50 charges of Apple tunes.
Replaced the card both times.
There seemed to be a lot of that happening around the college town,
but the fraudulent charges happened in a different city.

This fraud crap is costing all of us, in the way of higher cost goods.
I hope the new cards they are coming out with help contain fraud.

Mikek

I've been getting replacement cards with the new "chip" embedded in
them. So far though, I have not found any place that uses them yet.
They still swipe the magnetic strip.
I've used my chip at Lowes a couple of times. It may be more secure,
but it's slower and a bit of a PITA as compared to just swiping.

I didn't find it to be slower. They slide it in the machine rather than
swiping. Same thing in my experience.

Well just push it in the slot and pull it right back out, like in swiping, and see
who gets yelled at by the cashier!

You gotta wait for the machine to tell you it's OK to remove your card or you'll get
your damn hand slapped.

It takes longer.
--

Ban idiots, not guns!

That was my experience. You put it in, wait, OK the charges, wait a bit
longer, then you can remove it.

Overall, is the time much different than a swipe and waiting for the
receipt and signing?

To me it seems a bit longer. The biggest thing is that it's intolerant of removing your card too soon. I'd think that once it reads the chip, and that should take less than a second, it would be done with your card. That's seemingly not the case.

ditto, but I've never timed it.

You would need to use a lot of samples to know much because network
traffic will make a difference on both of them, It gets a lot slower
when a lot of people are shopping ... like now.

They may still do that, but:

"One of the benefits of chip and PIN technology is that the card reader does not have to be connected to a phone or Internet line to process the charge. With magnetic stripe cards, the card reader must "talk" with the credit card company before authorizing the charge. (In the old days, cashiers would call in the charge over the phone.) In places with slow telephony networks, chip and PIN terminals can work offline, processing the charge using the chip alone and then authorizing the charges in bulk at the end of the day."

Interesting.

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