Re:Swiping left on magnetic stripes
by kube-system on Tuesday August 17, 2021 @01:38AM
(#28206561)
For us ‘Mericans, all credit card transactions at a chip reader are chip+signature. We typically only have PIN numbers configured for debit cards. And most of those can be processed successfully without providing the PIN by pressing the credit button on the terminal.
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Although, in many cases signatures aren’t necessary. Anecdotally, I can only recall having to sign a handful of times in the last five or so years. (Edit: outside of restaurants.)
Also: it’s important to remember that running a debit card as credit isn’t the same thing as using debit. At most banks, your credit limit for debit cards (weird sentence, yeah) is very low: like $500 or so. If you call (and have sufficient funds), they’ll often temporarily raise it for you. (It’s how I paid for school on a debit card when the school could only run it as credit.)