Here in the UK we’ve finally reached PIN DAY.

In other words, to improve security and deter fraud, if you want to pay for something using a credit or debit card.  You must now use a four digit P.I.N. (personal identification number) to authorise the payment at the sales counter.

While I’m 100% behind the stand against card fraud, there is one type of potential fraud that I haven’t seen mentioned anywhere else and it may affect you.

Be aware that if you buy something ONLINE you will NOT be asked for your four digit PIN number.
Your four digit pin number is ONLY to be used in counter sales.

If you buy online you WILL need the THREE digit CVV number from the back of your card.

If anyone wants your four digit PIN number ONLINE – there’s a good chance it’s either a fraud or the merchant doesn’t know what he’s doing and I wouldn’t buy from them anyway.

Stay alert and be warned

Kev Polley