Why is bypassing the PIN on a debit card something you can do? Doesn’t that defeat the purpose of having a PIN to begin with?
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The bank would still know whether or not a PIN was entered, and this information might be useful in a fraud claim case.
It isn’t concrete, but if they used a PIN then this implies they either somehow stole it from you, you use the same PIN for everything (hello address people), or you are lying to them and trying to commit fraud.
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