Dave says "if it were in a shoe, the signature would have got wet and run off! Then the card would be useless and have to be replaced," No, if a card has no signature, any Tom Dick Harry can sign it! This is why cards are a high risk, for the chip and signature users. But the banks are happy to take on that risk. Just same as they're happy to take on the risk for those that can't use chip and PIN at home. Regards, Derek e-mail: derek.hornby_uk@xxxxxxxxxxxxxxx ** To leave the list, click on the immediately-following link:- ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=unsubscribe] ** If this link doesn't work then send a message to: ** access-uk-request@xxxxxxxxxxxxx ** and in the Subject line type ** unsubscribe ** For other list commands such as vacation mode, click on the ** immediately-following link:- ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=faq] ** or send a message, to ** access-uk-request@xxxxxxxxxxxxx with the Subject:- faq