Hi Barry >I have a chip and pin visa card that also has a signature. All chip and PIN cards have to have the customer's signature on the card. > I have used it both by putting a pin number in and by signing for the goods. But if you had a chip and signature card, you would not be able to use a PIN, as you wouldn't have a PIN! A chip and signature card, is not same as the old signature only cards, as the old cards had no chips. When a customer hands over to the retailer a chip and signature card, the retailer will get a message on the machine on the lines: "refer to customer for signature" I am not sure of the exact wording for the message, but the point is, a chip and PIN is for Pin use, a chip and signature is for signature use, so same card can't be for both types of use. Regards, Derek e-mail: derek.hornby_uk@xxxxxxxxxxxxxxx ** To leave the list, send a message to:- ** access-uk-request@xxxxxxxxxxxxx ** and in the Subject line type ** unsubscribe ** For other list commands such as vacation mode, send a message, to ** access-uk-request@xxxxxxxxxxxxx with the Subject:- faq