But how could someone use an ATM card without the PIN number?
Easy, in Bogota after you have been
Burundangadized, usually between 10 PM and before midnight, you go for a car ride with your new "friends" you visit numerous isolated ATM's, while they wait in the car, you withdraw until you reach that day's limit and after midnight the next day's limit. Up to two million Colombian pesos (COP) or more can be involved. This is called in Colombian vernacular "El paseo millonario"- "The Millionaire's Trip"
Next you will invite them to your apartment/hotel for a night cap where you will give away your laptop, more cash, cellphone, furniture, travelers checks, watch, etc...
Next you accompany them to a remote part of town or park where you offer them your clothing/shoes as a gesture of good will, bid farewell and call it a night.
Next day you are awaken on a park bench or building stoop by the National Police as you look too "clean" to be a bum, and don't remember your night out on the town and how nice you was.
P.S. the abbreviated (just ATMs) "El paseo millonario" can also be conducted at gun point. You you can see why the scopolamine/Burundanga, "The puppet", version is more potentially lucrative and easier.