Quick question - when using credit/debit cards in Oz, is it a chip and pin system like in France and more recently the UK, or do payments still require a signature. This thought suddenly came to me last night (as I realised I didn't know my pin so would be in trouble!) and I fly in a week today so any knowledge would be appreciated
Most purchases, apart from those over the phone/internet, require a signature.
You only use your credit card PIN when you put it in an ATM to get a cash advance.
I don't even know my credit card PIN.
Hi there Vix,
When I go shopping and use the CREDIT part of my card (ie Visa or Mastercard) then I have to sign the docket.. however if I use the same card and purchase good by *direct debiting* the funds from my savings or cheque account, then I have to put in my pin number.
When I was traveling in the USA and Canada I could use my CREDIT card (ie Visa / Mastercard) however I was unable (and this is a while ago.. so it may have changed since) to use my debit card as my bank was not represented o/s.
Hope this helps.
I would advise you find out your PIN anyway, for emergencies at least.
If you desperately need some cash, then you can draw it from there.
Most of the rest of the world has been using Chip & Pin for years ahead of the UK, so you never know when you'll need it.
One thing I forogt - to use your DEBIT card, and pay for stuff at the checkout you will most certainly need your PIN.
I think the key here is that there are two pins
Credit Pin; not used very often and most people don't even know it. Generally, they'll ask for you to sign (in fact I have never been asked differently).
If you have a Debit card (aka ATM card), you'll need your pin.
Some cards double as both debit and credit. You use the credit section for purchases in stores overseas generally (sign) and the debit section for ATM withdrawals (pin).
Hope all our answers haven't confused you too much