Talk:ATM card

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introduction of ATM card

[edit] Some factual problems

"Unlike a debit card, an ATM card can only be used for transactions in person (and not by telephone, fax or internet), as it requires authentication through a personal identification number or PIN. In other words, it cannot be used at merchants that only accept credit cards[citation needed]."

Why would this kind of card not be accepted by merchants "that only accept credit cards"? If a merchant accepts card identification with a PIN number, this kind of card would work. If a merchant doesn't accept cards with a PIN number, this kind of card wouldn't work. But both credit and debit cards may be used for both PIN-based and signature-based transactions.

"In countries that don't have proper debit cards, such as Canada[citation needed], an ATM card is also known as a "debit card"."

Define "proper debit cards". If a card can be used for purchases in a shop, then by definition it is a debit card, regardless of what card protocol it uses. (Stefan2 22:25, 5 June 2007 (UTC))

[edit] Factual problems (cont)

Well its talking about ATM cards, meaning these cards do not have a Visa or Mastercard logo (as most "debit cards" issued by US-based banks do).

I find this to be incorrect. "an ATM card can only be used for transactions in person " I've used my ATM cards issued both by American Express bank and bank of America to pay bills online. —Preceding unsigned comment added by 64.238.172.212 (talk)

The paragraph wasn't 100% incorrect, it just wasn't specific enough. I made some changes to reflect the fact that while purchases can only be made in person with an ATM card, bill payments can be made online. AirOdyssey (Talk) 01:19, 19 April 2008 (UTC)
Please let's not start the argument about semantics. Can an ATM card be used without a PIN? Yes it can. Therefore "an ATM card can only be used for transactions in person" (assume the "in person" part means you must be in person to enter the PIN) is incorrect (I don't know where "100% incorrect" came from) meaning its not correct. That's it. I don't know if you wrote the original text or a black man or an asian woman and I really don't care. I think you are taking my last statement a little too seriously. Here's an interesting article, however: http://www.greensheet.com/PriorIssues-/040402-/5.htm FWIW And I 100% agree with your edits, thank you. 64.238.172.212 (talk) —Preceding comment was added at 23:53, 24 April 2008 (UTC)