Extremely outdated US credit cards are to be replaced. - Polidicks

[QUOTE=codenamecueball;43836082]christ, you guys don't have chip & pin?![/QUOTE] [media]http://www.youtube.com/watch?v=JPAX32lgkrw[/media] Neither methods are good.

Maybe now Chinese people won't steal my money when I buy from a sketchy website.

[QUOTE=Aide;43838880][media]http://www.youtube.com/watch?v=JPAX32lgkrw[/media] Neither methods are good.[/QUOTE] I don't have audio on so I cannot tell for sure if this is what I think it is (but it does look like it). If it is, I have read the entire research paper for this exploit and its quite impressive. However, it isn't exactly the easiest thing to pull off. Seeing as chip and pin is rarely (if ever?) attacked in the real world it is the best thing at the moment. Its a lot harder to steal information than it is with a magnetic strip for example which is just a case of running the card through another reader.

[QUOTE=Zezibesh;43838388]so wait, unless you live on someone else's money and build up a good credit rating you can't get a job? that sounds pretty fucked up[/QUOTE] Never said anything about living on someone elses money. I use my card for big purchases, then pay them off before the month's end. Thats not living off someone elses money, thats using a credit card responsibly.

Whenever I go to Britain and try to use my non-chip-n-Pin visa card, the Sainsbury's lady gets angry and has to call twelve people and support and yadda yadda and they get angry, since it was just for a packet of Hobnobs and some tea. I believe if you travel a lot, Visa would get you a chip and pin just for that reason, but I don't go often enough to need it.

[QUOTE=DrogenViech;43836537]Why is using credit cards so popular in the US anyways? In germany we use direct debit for things like our electricity bill, and hard cash to pay at the gas station, super markets, and so on (using our debit card if we're in a hurry is a popular thing though)[/QUOTE] I always use a debit card for everything. I haven't carried paper money on me for a decade.

So not only do they not have chip and pin, but their money is made of paper? [sp]also no metric system lel[/sp] Stop living in the past mercia'

Technology these days. I remember when these were still commonplace. [img]http://blogs.publishersweekly.com/blogs/shelftalker/wp-content/uploads/2012/06/Manualimprint.jpg[/img]

[QUOTE=Sio;43839757]So not only do they not have chip and pin, but their money is made of paper? [sp]also no metric system lel[/sp] Stop living in the past mercia'[/QUOTE] US tried to transfer to the metric system years ago. Didnt work out too well.

[QUOTE=areolop;43839862]US tried to transfer to the metric system years ago. Didnt work out too well.[/QUOTE] How though, every other country managed to do it.

[QUOTE=Sio;43839977]How though, every other country managed to do it.[/QUOTE] most other countries are smaller than the us id say, not sur e if this is why but whatever anyways, iu already have to input my pin number at some places with my debit card so would that mean its chip and pin??

My card has the magnetic strip, chip and pin and the tap thing.

I was actually surprised when reading this article, I didn't know America still uses magnetic stripes mainly. I mean, my card has both chip and stripe, but I've only had to swipe it once since I got it. And I use it on an almost daily basis for payments.

[QUOTE=Zezibesh;43838388]so wait, unless you live on someone else's money and build up a good credit rating you can't get a job? that sounds pretty fucked up[/QUOTE] only some finance/accounting jobs i think [editline]8th February 2014[/editline] [QUOTE=itisjuly;43838127]Isn't that really tough in US due to credit scores and all that crap?[/QUOTE] i want to go my entire life without a credit score

The debit/credit cards in my country have both. The magnetic strip, the signature and the chip. Is this not normal?

I just updated my soon to be expired Eftops card with a Chip Visa Debit Paywave recently so I guess I'm good to go

I don't get this, I went to a few ATM's in my trip around Europe (NL, DE, UK) and they all had magnetic readers.

[QUOTE=pentium;43839832]Technology these days. I remember when these were still commonplace. [img]http://blogs.publishersweekly.com/blogs/shelftalker/wp-content/uploads/2012/06/Manualimprint.jpg[/img][/QUOTE] Can someone tell me how those work, I can only remember seeing one used once in my life and that was more then 10 years ago

[QUOTE=viperfan7;43841672]Can someone tell me how those work, I can only remember seeing one used once in my life and that was more then 10 years ago[/QUOTE] Imprints card onto paper then you take paper to bank and get money.

im not even clear on what chip and pin is but if you think swipe and sign is ancient, i was in a taxi in seattle and the driver didnt have a card swiper so he used the old CHA-CHUNK metal slider to read my debit card i think we should completly bypass chip and pin and do what the japanese do, use our phones for everything

[QUOTE=Sio;43839977]How though, every other country managed to do it.[/QUOTE] We don't want it. it's that simple. There's two things that are always true about America: It's a biiiig country, and its denizens are really fucking stubborn. And we don't want to use metric in our daily lives. So it isn't happening. Anything important(Re: global) is done in metric anyway. Our cars, what electronics we still build, our space program, etc. It's all in metric. There's even metric numbers on our food and beverages. What's it matter to you lot if the common American still uses inches, feet and miles to measure distance? [QUOTE=itisjuly;43838127]Isn't that really tough in US due to credit scores and all that crap?[/QUOTE] Not really. You can build credit just fine without resorting to a debt generator. Buy a car, buy a house, pay them on time, done. One's utility bills(TV, electricity, internet, etc) also tend to reflect on one's credit report.

[QUOTE=gonedead0;43837724]This is literally the first time I've heard of "chip-and-PIN". Someone please explain the difference between that and what we normally use?[/QUOTE] A comparison you might understand more is the difference between a password and two factor authentication. Right now all you guys have to secure your payments is "something you have". Adding the pin adds "something you know" into the equation too; being far more secure.

[QUOTE=areolop;43839862]US tried to transfer to the metric system years ago. Didnt work out too well.[/QUOTE] its a form of copyright protection... you can steal a blueprint for a pipeline in english units, but be warned it'll explode if you forget that we use different units, same goes with stealing spacecraft, aircraft, pressurized machinery or missile plans, it takes time to reverse engineer from english to metric because the steel gauges aren't the same, parts need to be speacially sized, stuff that should fit together doesn't, its just a great way to make bombs.

Paypass, as well as Chip+Pin are much faster, and very useful in self-serve checkouts.

[QUOTE=Sableye;43846427]from english to metric[/QUOTE] You realise England (and more specifically Britain) uses mostly metric right? You're thinking of Imperial, not English.

[QUOTE=Flapadar;43846505]You realise England (and more specifically Britain) uses mostly metric right? You're thinking of Imperial, not English.[/QUOTE] He's thinking of US customary, not Imperial. Imperial tends to be larger - an Imperial pint is 568ml, a US pint is 473ml, rounded to closest ml. Same goes for gallons and such, it's 4.5 litres against 3.8 litres or so. Makes me wonder if Yanks get ripped off and actually get tiny pints. There's a degree of overlap, inches and feet and such are the same, but US customary has fluid ounces and such, which Imperial doesn't. He also fails to figure out that NASA, DARPA and such stopped using imperial ages ago, and use SI now, I believe.

[QUOTE=Snowmew;43841545]I don't get this, I went to a few ATM's in my trip around Europe (NL, DE, UK) and they all had magnetic readers.[/QUOTE] At least in the Netherlands they are all disabled since a couple of years. You literally can't swipe anymore, the device still has the swipe slot, but it doesn't work and most stores have also put a plastic/paper thing over it so you can't try to put your card in either.

only time i've had my chip and pin fail is at those tim hortons receivers that like to bounce the card out unless you hold it in

At a supermarket I sometimes go to before watching a movie (it's right next to the movie theater, cheap drinks yay) there's one POS with a faulty PIN device where I have to insert both a membership card and my debit card for it to work, but other than that one they always work.

[QUOTE=Sio;43839977]How though, every other country managed to do it.[/QUOTE] huge population spread throughout a very large landmass. technically the switch did work when it comes to the industry sector. I've worked in a couple of warehouses and factories and all their equipment used metric, and everybody that used it knew it. most of the people I know also have some knowledge of imperial to metric conversions, they just don't normally use them, myself included.