Top ten queries

What is happening after 14 February 2006? Are there any exceptions where people will sign after 14 February 2006? When will I get my card? Will my card need to be signed? What if someone has seen my PIN? How will I use my card in shops? Won't people see me enter my PIN? What if I forget my PIN? When will chip and PIN affect me? How will disabled users be affected? What does it mean if my card is locked? How will I know if my card is a chip and PIN card?

Getting a refund

For refunds, some shops will ask you for your PIN but not always - it depends on how each shop's system works.