[lettie]

With chip and pin you choose the number therefore making it easier to remember. I haven't used it yet, but they have had this system in New Zealand for quite some time. Over there it is known as EFTPOS. People use it for everything, they swipe their cards through petrol pumps, use it at local shops for the smallest purchases etc. Nobody carries cash. This does have some advantages in that the locals reckon that it has cut down on card fraud and that you rarely get muggings. I think it's a good idea and have no qualms about using this system. The thing with EFTPOS is that if your money isn't in the bank it will not let you pay. Therefore you cannot overdraw and incur bank charges without first arranging it with the bank.