So anyway my son arrives home from work in a call centre for a major UK bank and the conversation goes like this. How was your day son ? Deep sigh....Just spent 3 hours phoning customers born ceca 1919 and others who had not activated their PIN on new cards. So the old yins are just not going to cope. Recording.......Call ctre - A call from the bank bla bla. Reply I don't know you, what card are you talking about anyway. Call ctre - the card we sent you in Aug'. Reply Oh that card, the one you can't read the number on when you peel back the paper, Who are you again I don't know any Jimmy's in my branch. Call ctre - no it's the head office telling you that you must activate your card at an ATM before Feb 14th. Reply, Oh I don't use them things in the high street as everyone can see what you are doing. The rest of the conversation was hilarious but god forbid I get stuck in a queue behind some seniors who think chip & pin is something you eat come Feb' . On a positive note anything that improves card security can't be that bad and before long we will have a gizmo attached to our PC before you can use Ebay or any other net transaction.