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30/01/2006
Three million facing chip and pin problems
Three million elderly and disabled consumers face "misery and frustration" with new chip and PIN cards, the National Consumer Council has warned.
The NCC said that many people faced problems using the new chip and PIN systems, such as those with memory problems who might be unable to remember PIN numbers and those with physical disabilities who might be unable to use keypads to enter their numbers.
The group criticised banks and card issuers for not doing enough to inform consumers of alternatives to chip and PIN cards.
Claire Whyley, Deputy Director of Policy at the NCC, said: "A year ago we urged the bank to launch an information campaign and improve bank staff awareness of the chip and PIN alternatives.
"We are really disappointed that banks haven't taken their responsibilities to vulnerable customers more seriously. Three million people could find themselves high and dry at the checkout."
From February 14, consumers with a chip and PIN card will no longer be able to sign for a purchase. Instead, they will have to enter their PIN number into a keypad in order to pay for purchases.
Disabled consumers who have difficulties in using the new system can obtain an alternative card - most likely, a chip and signature card, by contacting their card issuer.
The Association of Payment Clearing Services said that their research had shown that most people with disabilities had no difficulties using the new system.
Sandra Quinn, Apacs spokesperson, said: "Our research has shown that the overwhelming majority of disabled cardholders have welcomed chip and PIN and are happily using it ahead of 14 February. We accept, however, that some disabled cardholders may find using a PIN more difficult and we are pleased to see that they are contacting their banks ahead of the change and requesting a chip and signature card so they can continue to sign."
(KMcA)
The NCC said that many people faced problems using the new chip and PIN systems, such as those with memory problems who might be unable to remember PIN numbers and those with physical disabilities who might be unable to use keypads to enter their numbers.
The group criticised banks and card issuers for not doing enough to inform consumers of alternatives to chip and PIN cards.
Claire Whyley, Deputy Director of Policy at the NCC, said: "A year ago we urged the bank to launch an information campaign and improve bank staff awareness of the chip and PIN alternatives.
"We are really disappointed that banks haven't taken their responsibilities to vulnerable customers more seriously. Three million people could find themselves high and dry at the checkout."
From February 14, consumers with a chip and PIN card will no longer be able to sign for a purchase. Instead, they will have to enter their PIN number into a keypad in order to pay for purchases.
Disabled consumers who have difficulties in using the new system can obtain an alternative card - most likely, a chip and signature card, by contacting their card issuer.
The Association of Payment Clearing Services said that their research had shown that most people with disabilities had no difficulties using the new system.
Sandra Quinn, Apacs spokesperson, said: "Our research has shown that the overwhelming majority of disabled cardholders have welcomed chip and PIN and are happily using it ahead of 14 February. We accept, however, that some disabled cardholders may find using a PIN more difficult and we are pleased to see that they are contacting their banks ahead of the change and requesting a chip and signature card so they can continue to sign."
(KMcA)
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Chip and PIN cash cards are helping to reduce credit and debit card fraud in the UK, a banking body has reported. The Association of Payment Clearing Services (Apacs) reported that the cost of counterfeit and lost and stolen card fraud between January and June 2005 was £89.9 million – a drop of nearly a third from £126.
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UK roll out for credit card security scheme
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