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Morning All

What I don’t understand - and never have - is why America has not embraced the “chip and PIN” solution used for credit cards in the rest of the world. No signature required. Instead, you insert your card into the reader, type in your PIN and the payment to the vendor is verified instantaneously by your bank. In restaurants in Europe, card readers are brought to your table, not hard-wired in, and your card never leaves your sight. Yes, it requires an active connection to the internet but everywhere has Wi-fi. (I’ve even seen cellphones used to provide that at craft fairs.)

We do have contactless cards and the UK spending limit per transaction is £30 (less than $40 USD), but you always have the option of paying via chip-and-PIN. I know of places that sell metal-lined card holders, to prevent skimming, but I have never actually met anyone whose card has been skimmed. (Stollen and used, yes; skimmed no.)

- Pam
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