We are now used to seeing chip and PIN terminals in shops, restaurants and hotels in the UK and, with the global rollout now well underway, it is increasingly likely you will be asked to give a PIN abroad. It’s worth knowing that just because you see a PIN pad it doesn’t mean that you will be asked for your PIN –some countries are still using older versions of the technology and in these cases the retailer may be prompted by their pin pad to automatically ask you for your signature.
Remember that if you are asked to give a PIN the process is exactly the same as at home and all you need to remember is your four-digit number to make a payment.
You should also know that, just as at home, if you are asked to give a PIN and you can’t remember it, the transaction is likely to be declined, so it is essential that you memorise your PIN before your travel. Of course, if you think you’ll have difficulty remembering your PIN, why not change it to a number of your choice using the PIN services option at most UK cash machines?
If you know of someone from abroad who is coming to the UK for a holiday this summer, and they do not have chip and PIN in place at home, do let them know that they will still be able to pay for goods and services in the same way as they do at home. They can still sign when using non-chip and PIN cards issued by an overseas bank - the terminal will read the card and instruct the retailer to ask them for their signature rather than a PIN.
Remember you are protected
One of the most enjoyable aspects for many when on holiday is snapping up that holiday bargain we hadn’t expected to stumble across. The good news for the travelers amongst us is that we are now protected on all international purchases made on UK-issued credit cards of between £100 and £30,000. This means that credit card companies are responsible along with the supplier of the goods or services for any breach of contract or misrepresentation by the supplier. This is useful protection if there is a problem with your purchase that you cannot resolve with the supplier.
Remember though - you only get this particular protection if you pay using your credit card. You do not have the same protection if you pay by debit card, charge card, traveller’s cheque, or cash.
Keep phone numbers handy
For those cards you do take with you, make sure you have the 24 hour phone numbers for canceling your cards in case they are lost or stolen – and don’t keep these numbers in your wallet; keep them in a separate place away from your cards. If you forget to take these numbers, but have access to the Internet, a list of contact numbers is available from www.cardwatch.org.uk.
If you know that your card has been stolen or is being used fraudulently contact your bank to cancel your card(s) immediately. Your bank will be able to advise you on how to access your money for the remainder of your trip. You may find that they will be able to organise a replacement card and send it to where you are staying.
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