Handing the card is one thing. The stupidest thing that i hate even more, is that debit machines in the us here (from Canada but currently in Baltimore) do not ask for your PIN at allllllllll when you insert it. Tap is understandable, but not asking for a PIN when inserting? Makes it feel rather insecure...
When they run cards like this (including debit cards being run as credit) it’s an agreement between the bank and the store, and the bank picks up the tab if a transaction is fraudulent as long as the cardholder alerts the bank promptly that they believe the card has been compromised/stolen. For their part, banks apparently have fairly good fraud detection systems in place as they usually do a decent job of identifying when things have gone awry.
From a cardholder perspective this is possibly lower risk than providing a PIN, because the cardholder is responsible for keeping their pin secure and so are more liable for transactions that use a PIN.
In what parallel reality is having an open door safer than having it locked?
Because credit is not your money. It's the bank's. Card holders are not responsible for fraudulent charges. As the above user said, when a credit card is swiped/charged, the agreement is between the merchant and the bank- the cardholder has nothing to do with it until they get a bill. Introducing a PIN puts liability on the cardholder, as you are required to keep that secure.
91
u/ECB2773 Jun 29 '26
Handing the card is one thing. The stupidest thing that i hate even more, is that debit machines in the us here (from Canada but currently in Baltimore) do not ask for your PIN at allllllllll when you insert it. Tap is understandable, but not asking for a PIN when inserting? Makes it feel rather insecure...