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Chip & Pin has been a major headache for me...I'm living in the UK for a year and neither one of my Canadian CC's have chip and pin. On numerous occasions cashiers have to call management to find out if they're even allowed to accept my credit card....I just carry cash now.

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Surely the answer to that is to set up a UK bank account and use a debit card (I make most payments with a debit card).

I am self employed and according to the banks I spoke to I am not staying in the UK long enough for them to give me an account.

It's become rather difficult to set up UK personal bank accounts, thanks to the "know your customer" anti-terrorist regulations. Plus, UK retail banks offer uniformly terrible customer service by international standards (I've experienced three UK banks). Using offshore credit cards has long been a common choice.

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