MasterCard Customer Service Support                           2010-09-12
PO Box 11064, Stn. Centre-Ville
Montreal, QC  H3C 5A2


Madam, Sir,

I recently received a notice that MasterCard intended to impose a new
"chip card" card on me; I wrote you a letter about this on 2010-08-24.

I recently received the card in question, only to find that it is worse
than I feared: this card is marked with the paypass logo, presumably
meaning it works for paypass purchases.  Based on the ads I have seen,
this means that any time my card comes within some indeterminate
distance of equipment I do not control, I could (from MasterCard's
point of view) be making a purchase - without my even knowing it.

I will not be carrying this card and thus will not be using it in
circumstances that require use of the physical card; I will be using it
only for telephone orders and the like.

I realize that MasterCard exists to serve its stockholders, with its
cardholders of importance only to the extent that they are necessary to
provide value to stockholders.  But in inflicting this new card on me,
you have crossed into reducing your value even to your stockholders,
even more so than with the chip-and-PIN paradigm alone: every purchase
I now make with cash because you have required me to carry a
hair-raisingly insecure card to make them with MasterCard is another
transaction fee you don't get.  (And, potentially, interest, though you
have historically gotten very little interest from me.)





[name, address, and card number removed for Web consumption]