Go Back   English Forum Switzerland > Help & tips > Finance/banking/taxation  
Reply
 
Thread Tools Display Modes
  #1  
Old 20.01.2011, 12:06
Junior Member
 
Join Date: Aug 2010
Location: Geneva
Posts: 84
Groaned at 0 Times in 0 Posts
Thanked 9 Times in 9 Posts
russiangeneva has no particular reputation at present
PIN on a credit card

Good morning,

To be honest, I've never bothered to remember PIN code for my credit cards - since signature is always required.
But recently, I was paying for some gas at a Shell gas station - and the lady insisted I punched in the PIN - I explained this was a credit card and my signature was enough, but she was saying this was a rule.
I shrugged off and paid cash instead (I still don't know what my PIN is).

However, after an ATM machine in France just ate my Maestro, I realized, I might remember it in case I need to withdraw cash from ATM in emergency.

What's the rule for PIN-less transactions using credit cards (Visa / MC)?

Thanks
Reply With Quote
  #2  
Old 20.01.2011, 12:31
cyrus's Avatar
Forum Legend
 
Join Date: Nov 2006
Location: Emmenbruecke
Posts: 2,904
Groaned at 37 Times in 34 Posts
Thanked 3,471 Times in 1,513 Posts
cyrus has a reputation beyond reputecyrus has a reputation beyond reputecyrus has a reputation beyond reputecyrus has a reputation beyond reputecyrus has a reputation beyond reputecyrus has a reputation beyond repute
Re: PIN on a credit card

Quote:
View Post
What's the rule for PIN-less transactions using credit cards (Visa / MC)?
Better to learn your PIN code, most places no longer accept a signature, and the places that do will probably soon upgrade to chip and pin, it's caught me out before too.

Reminds me, I have to learn mine.
Reply With Quote
  #3  
Old 20.01.2011, 12:35
Meeyat's Avatar
Forum Veteran
 
Join Date: Jul 2010
Location: Basel
Posts: 680
Groaned at 18 Times in 11 Posts
Thanked 874 Times in 349 Posts
Meeyat has a reputation beyond reputeMeeyat has a reputation beyond reputeMeeyat has a reputation beyond reputeMeeyat has a reputation beyond reputeMeeyat has a reputation beyond repute
Re: PIN on a credit card

I changed all my cards to have the same PIN. That makes it easier to remember; though probably there is some small trade-off in security.

You can change PIN at every ATM. This is what I did when I received credit cards and maestros from the bank.

Hope this helps.

BTW - I have noticed here in Switzerland that in many places you need to sign instead of chip & pin. I wonder if it's cultural thing, or there is something in the cards themselves (i.e. preferring signature over PIN punching)?
Reply With Quote
  #4  
Old 20.01.2011, 12:39
richardm's Avatar
Forum Veteran
 
Join Date: Feb 2009
Location: #murica
Posts: 665
Groaned at 15 Times in 15 Posts
Thanked 241 Times in 145 Posts
richardm has earned the respect of manyrichardm has earned the respect of manyrichardm has earned the respect of many
Re: PIN on a credit card

I've never been asked for a PIN when using foreign credit cards here. Always a signature. However, I've had some acceptance problems with my foreign Visa and Mastercards -- Instead of getting asked for a signature, they simply don't work at all. My Amex was generally OK provided the retailer accepted Amex at all.

My feeling is that if you live here you'll need a Maestro card at minimum, if not a European credit card.
Reply With Quote
  #5  
Old 20.01.2011, 13:06
TiMow's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Fribourg
Posts: 9,295
Groaned at 237 Times in 154 Posts
Thanked 12,188 Times in 5,300 Posts
TiMow has a reputation beyond reputeTiMow has a reputation beyond reputeTiMow has a reputation beyond reputeTiMow has a reputation beyond reputeTiMow has a reputation beyond reputeTiMow has a reputation beyond repute
Re: PIN on a credit card

Quote:
View Post
You can change PIN at every ATM. This is what I did when I received credit cards and maestros from the bank.
In order to do this you still need to enter the original PIN in the first instance. If you don't have this, then the bank/credit card co. should be able to (re-) provide it - probably by post.

When I use my UK credit here (or anywhere), because the UK now operate chip'n'PIN, I have to also enter the PIN. With my Swiss ones, not.

Due to weak £ I seldom use the UK one here, but had a letter from the bank last autumn, stating (effectively) that as I hadn't used it for a long time, I should use it or lose it (British banks really do take the piss). So used it for purchases of CHF100+, got a really bad exchange rate, which made my purchases very poor vfm. Then got a £12 late payment fine because all the pre-Christmas post in the UK was considerably delayed due to winter weather and increased seasonal volume. This has since been waived, after I complained - but they probably got the equivalent back by keeping me hanging on the phone for God-knows-how-long. Still had to send a cheque for £0.79 for payment-protector (ridiculous). There's also a good chance that this may have been received late also, as my bill (dated 16 Dec) was not received until New Year, with only about a week to the deadline. Still waiting for next statement, so I can go through it all again.
Next time I get a "use it or lose it" letter, I know what I'll do - it's really not worth the hassle.
Reply With Quote
This user would like to thank TiMow for this useful post:
  #6  
Old 20.01.2011, 13:11
Lou's Avatar
Lou Lou is offline
Forum Legend
 
Join Date: Mar 2006
Location: Zurich
Posts: 3,778
Groaned at 9 Times in 9 Posts
Thanked 3,227 Times in 1,474 Posts
Lou has a reputation beyond reputeLou has a reputation beyond reputeLou has a reputation beyond reputeLou has a reputation beyond reputeLou has a reputation beyond reputeLou has a reputation beyond repute
Re: PIN on a credit card

Not for Maestro cards or EC as they used to be known. Switzerland was the first country where I was issued with a chip & pin card & that was back in 1997.

Quote:
View Post
BTW - I have noticed here in Switzerland that in many places you need to sign instead of chip & pin. I wonder if it's cultural thing, or there is something in the cards themselves (i.e. preferring signature over PIN punching)?
Reply With Quote
  #7  
Old 20.01.2011, 13:30
mirfield's Avatar
Moddy Wellies
 
Join Date: Apr 2007
Location: North Yorkshire
Posts: 8,711
Groaned at 53 Times in 47 Posts
Thanked 9,828 Times in 3,613 Posts
mirfield has a reputation beyond reputemirfield has a reputation beyond reputemirfield has a reputation beyond reputemirfield has a reputation beyond reputemirfield has a reputation beyond reputemirfield has a reputation beyond repute
Re: PIN on a credit card

Quote:
View Post
Next time I get a "use it or lose it" letter, I know what I'll do - it's really not worth the hassle.
Buy something from a shop with good returns policy (e.g. Manor) then take it back and have your card re-credited. That would (possibly) fulfil their requirements - and probably cost them money too
Reply With Quote
This user would like to thank mirfield for this useful post:
  #8  
Old 20.01.2011, 13:45
Tilia's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: ZH
Posts: 2,746
Groaned at 75 Times in 42 Posts
Thanked 2,649 Times in 1,194 Posts
Tilia has a reputation beyond reputeTilia has a reputation beyond reputeTilia has a reputation beyond reputeTilia has a reputation beyond reputeTilia has a reputation beyond reputeTilia has a reputation beyond repute
Re: PIN on a credit card

You better learn it because abroad, these days, if you card has a chip+pin you can't use it without the pin. In CH they usually still let you use it using your signature.
Reply With Quote
  #9  
Old 20.01.2011, 14:12
AbFab's Avatar
Forum Legend
 
Join Date: Sep 2006
Location: Zürich
Posts: 8,379
Groaned at 356 Times in 244 Posts
Thanked 12,379 Times in 4,230 Posts
AbFab has a reputation beyond reputeAbFab has a reputation beyond reputeAbFab has a reputation beyond reputeAbFab has a reputation beyond reputeAbFab has a reputation beyond reputeAbFab has a reputation beyond repute
Re: PIN on a credit card

PINs have been required for petrol purchases with credit cards for a couple of years now...
Reply With Quote
  #10  
Old 20.01.2011, 14:27
richardm's Avatar
Forum Veteran
 
Join Date: Feb 2009
Location: #murica
Posts: 665
Groaned at 15 Times in 15 Posts
Thanked 241 Times in 145 Posts
richardm has earned the respect of manyrichardm has earned the respect of manyrichardm has earned the respect of many
Re: PIN on a credit card

Quote:
View Post
PINs have been required for petrol purchases with credit cards for a couple of years now...
I was able to buy fuel "PINlessly" with my US Amex at a few select stations last year. They weren't easy to find, however.

Last edited by richardm; 20.01.2011 at 14:39.
Reply With Quote
  #11  
Old 20.01.2011, 14:33
digg's Avatar
Senior Member
 
Join Date: Mar 2006
Location: Zurich
Posts: 402
Groaned at 1 Time in 1 Post
Thanked 116 Times in 81 Posts
digg has earned some respectdigg has earned some respect
Re: PIN on a credit card

Banks want to move away from signatures to PIN. I'd start remembering it and think the signature is something of the past. I've had shops in the UK not accepting signatures any more. Outright refuse, cash or PIN. Presumably pressure from the banks.
Reply With Quote
  #12  
Old 20.07.2012, 23:11
Git Git is offline
Junior Member
 
Join Date: Jan 2012
Location: Canada
Posts: 47
Groaned at 4 Times in 3 Posts
Thanked 5 Times in 5 Posts
Git has no particular reputation at present
Re: PIN on a credit card

Sorry to bump up an older thread, but I found myself in a peculiar situation and frankly I feel stuck. I live in Canada and I am currently on a short trip in Lausanne. I have chipped cards and I know my PINs, but they are all 8 digit. So far all ATMs I tried limit the PIN entry to 6 digits. Any ideas on how to resolve this unfortunate situation?

Strangely enough POS terminals in Coop shops accept the PIN and the cards work. Even more interestingly, the same model of POS in McDonalds accepts the PIN but fails the transaction with some really obscure error message.

In any case, I need to get some cash and to fuel up. I have one chipless Visa, so that'd be my next try for fueling, but with cash withdrawls I'm out of ideas.
Reply With Quote
  #13  
Old 21.07.2012, 00:18
onthemove's Avatar
Junior Member
 
Join Date: Feb 2008
Location: Nyon
Posts: 42
Groaned at 0 Times in 0 Posts
Thanked 10 Times in 8 Posts
onthemove has no particular reputation at present
Re: PIN on a credit card

Go to any bank ATM and change your PIN for these cards to a 6 digit or 4 digit code for the next few days. Once you are back in Canada change it again

Most of the machines and cards here in Switzerland have now become PIN enabled and hence most shops will not accept the PINless card. My sis had come visiting and came back with a foul temper after a day of shopping (most stores didnt accept her card!!)
Reply With Quote
The following 2 users would like to thank onthemove for this useful post:
  #14  
Old 21.07.2012, 00:33
Git Git is offline
Junior Member
 
Join Date: Jan 2012
Location: Canada
Posts: 47
Groaned at 4 Times in 3 Posts
Thanked 5 Times in 5 Posts
Git has no particular reputation at present
Re: PIN on a credit card

Quote:
View Post
Go to any bank ATM and change your PIN for these cards to a 6 digit or 4 digit code for the next few days. Once you are back in Canada change it again
The ATM will still ask for the current PIN first, which I can't enter. Good idea though.

Are there any non-bank ATMs here? Like those "Quick cash" mashines that are everywhere in Vegas and other places that like to help people part with their money... Oh, perhaps in local casions?
Reply With Quote
  #15  
Old 21.07.2012, 10:54
Uncle Max's Avatar
Forum Legend
 
Join Date: Jun 2006
Location: Züri
Posts: 7,553
Groaned at 164 Times in 105 Posts
Thanked 8,424 Times in 3,486 Posts
Uncle Max has a reputation beyond reputeUncle Max has a reputation beyond reputeUncle Max has a reputation beyond reputeUncle Max has a reputation beyond reputeUncle Max has a reputation beyond reputeUncle Max has a reputation beyond repute
Re: PIN on a credit card

If you're staying in a hotel, perhaps ask them for cash in return for charging your card? They may sniff, but explain your situation. They know who you are.
Reply With Quote
  #16  
Old 21.07.2012, 11:28
Git Git is offline
Junior Member
 
Join Date: Jan 2012
Location: Canada
Posts: 47
Groaned at 4 Times in 3 Posts
Thanked 5 Times in 5 Posts
Git has no particular reputation at present
Re: PIN on a credit card

It's the first thing I did, but got back "it eez imposeeebl, sir." Will talk to them again a bit later, to the manager this time.
Reply With Quote
  #17  
Old 21.07.2012, 12:00
anowheels's Avatar
Forum Veteran
 
Join Date: Mar 2011
Location: Not Zurich
Posts: 988
Groaned at 0 Times in 0 Posts
Thanked 668 Times in 401 Posts
anowheels has an excellent reputationanowheels has an excellent reputationanowheels has an excellent reputationanowheels has an excellent reputation
Re: PIN on a credit card

Quote:
View Post
It's the first thing I did, but got back "it eez imposeeebl, sir." Will talk to them again a bit later, to the manager this time.
have you tried just entering the first 6 or the last 6 digits of your pin at an ATM?
Reply With Quote
  #18  
Old 21.07.2012, 12:10
carcharhinus's Avatar
Senior Member
 
Join Date: Jun 2008
Location: Greater Zürich Area
Posts: 484
Groaned at 5 Times in 4 Posts
Thanked 226 Times in 141 Posts
carcharhinus is considered knowledgeablecarcharhinus is considered knowledgeablecarcharhinus is considered knowledgeable
Re: PIN on a credit card

Quote:
View Post
BTW - I have noticed here in Switzerland that in many places you need to sign instead of chip & pin. I wonder if it's cultural thing, or there is something in the cards themselves (i.e. preferring signature over PIN punching)?
Liability is the reason – your liability versus the bank's liability. Your bank (or credit card issuer) of course prefers the former.
Reply With Quote
  #19  
Old 21.07.2012, 12:26
mirfield's Avatar
Moddy Wellies
 
Join Date: Apr 2007
Location: North Yorkshire
Posts: 8,711
Groaned at 53 Times in 47 Posts
Thanked 9,828 Times in 3,613 Posts
mirfield has a reputation beyond reputemirfield has a reputation beyond reputemirfield has a reputation beyond reputemirfield has a reputation beyond reputemirfield has a reputation beyond reputemirfield has a reputation beyond repute
Re: PIN on a credit card

Quote:
View Post
have you tried just entering the first 6 or the last 6 digits of your pin at an ATM?
Problem with that is that many cards will lock after 3 unsuccessful PIN entries, so it makes a nervy next transaction.

If you go into a bank then you should be able to withdraw cash at a counter.

If you're here for a while and you have someone you trust at home, you could phone your bank to post you a new 4/6 digit PIN to your home address. I guess that your current PIN will be disabled though if you do this, so you'd need to get the timing right.
Reply With Quote
  #20  
Old 21.07.2012, 12:42
Git Git is offline
Junior Member
 
Join Date: Jan 2012
Location: Canada
Posts: 47
Groaned at 4 Times in 3 Posts
Thanked 5 Times in 5 Posts
Git has no particular reputation at present
Re: PIN on a credit card

Alright, an update.

Got an advance from the hotel, at 5% fee. Secondly, went to an exchange office (at the train station) and exchanged CAD to CHF by drawing funds from the credit card. They checked the passport and made an old-fashioned carbon copy of the card with a slider contraption. They also said that a Maestro debit card would work too (but not a Plus card, which is what I have).

Entering 6 digits out of 8 won't work, because of how the PIN is verified by the card' chip (I'm partial to the smart cards, used to write software for the terminals).

For the same reasons it is not possible to change the PIN on a card without having the card present. Moreover the PIN can only be changed at the issuing bank branch.

One thing I haven't tried is going and talking to the teller at BCV/UBS/etc. There is a slim chance that it would work, but I somehow doubt it. The same PIN length restriction is probably present at the counter terminals.
Reply With Quote
This user would like to thank Git for this useful post:
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
bank letter - PIN but no Access Card yet r4chel Finance/banking/taxation 13 04.07.2010 16:36
Pre Paid Master Card/Credit Card - Opinion Please Cashboy Finance/banking/taxation 1 07.01.2010 11:44
List of Credit cards and their chip and pin status muze7 Finance/banking/taxation 24 30.09.2009 17:27
Credit Cards - why don't they use Chip and Pin? GenevaSculler Finance/banking/taxation 12 19.08.2008 13:50
AECS in Horgen - Credit Suisse's credit card business - somebody work there? Greg530 Finance/banking/taxation 9 15.04.2007 18:05


All times are GMT +2. The time now is 03:49.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2021, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0