When "chip & pin" credit cards and debit cards were introduced in the UK, all the shops had to install machines so the customer can swipe his card through it then input his PIN. Soon after, criminals devised ways to grab card details and PINs from the machines, and use these details to make up forged cards. So you'd go to the local store to buy your cigarettes or washing powder, pay with your card, then a few days later your card would be maxed out by somebody somewhere else. A lot of people have had to go to a lot of trouble to prove that the details were stolen and the person hadn't used the card himself.