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    erchant, or slide it through the card reader at the till, the cashier will ask you to enter a 4-digit PIN (personal identification number) to confirm that you are the proper owner of that credit card. That's all there is to it.

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    You can't much pick up the paper or turn on the telly without hearing something about credit card fraud and identity theft these days. That's why the UK credit card market started testing a new type of card back in 2003. By mid-2004, the new Chip and PIN card was declared a resounding success after a wide ranging trial in Northampton. There was already a good deal of evidence for using the Chip and PIN method to verify credit cards and users. A similar experiment in France showed that the Chip and PIN reduced credit card fraud by as much as 80%. The Northampton trial showed similar numbers. As of February 14 of this year (2006), Chip and PIN is the standard method for all credit card transactions.

    What are Chip and PIN credit cards?

    Instead of a magnetic stripe, Chip and PIN cards contain a miniature computer chip that stores information about your account. When you present your card to a merchant, or slide it through the card reader at the till, the cashier will ask you to enter a 4-digit PIN (personal identification number) to confirm that you are the proper owner of that credit card. That's all there is to it.

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    What are Chip and PIN credit cards?

    Instead of a magnetic stripe, Chip and PIN cards contain a miniature computer chip that stores information about your account. When you present your card to a merchant, or slide it through the card reader at the till, the cashier will ask you to enter a 4-digit PIN (personal identification number) to confirm that you are the proper owner of that credit card. That's all there is to it.

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    What are Chip and PIN credit cards?

    Instead of a magnetic stripe, Chip and PIN cards contain a miniature computer chip that stores information about your account. When you present your card to a merchant, or slide it through the card reader at the till, the cashier will ask you to enter a 4-digit PIN (personal identification number) to confirm that you are the proper owner of that credit card. That's all there is to it.

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    What are Chip and PIN credit cards?

    Instead of a magnetic stripe, Chip and PIN cards contain a miniature computer chip that stores information about your account. When you present your card to a merchant, or slide it through the card reader at the till, the cashier will ask you to enter a 4-digit PIN (personal identification number) to confirm that you are the proper owner of that credit card. That's all there is to it.

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    How do I get my Chip and PIN card?

    Many credit card companies have already started replacing old style credit cards with Chip and PIN cars. As of February, though, all new cards issued in the UK must be Chip and PIN cards. That means if you apply for a credit card, or if your credit card reaches expiry and is replaced with a new card, the card that you get will be one of the new Chip and PIN cards.

    What if I can't use a Chip and PIN card?

    The Chip and PIN may be difficult for some people, specifically those who are blind or partially sighted. If you will have trouble entering a PIN number into the machine, you should notify your credit card company and request a Chip and Signature card. If you've already been issued a Chip and PIN card, you can request a replacement Chip and Signature card from the company that issued your card.

    How will I know my PIN?<

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