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@mike1789 wrote:What are the benefits of an EMV chip?
If you stay in the US, none.
If you have a card with a Foreign Transaction Fee (unless you don't have any card without an FTF) none
If you are outside the US, and have a card without a FTF: probably not much! I've found one place in Europe where it wouldn't take a swipe card but would take chip&sig. There are many more places that require chip&pin, but the Amex cards here currently don't support that. It may be different in some regions where chip&sig is more common.
People here are getting excited over what is more or less useless decoration.
I just called and got it!! Woot Woot!
Nothing better than getting a new card with no INQ or new accounts hitting my CR!!
muhahaha
@zerobacan wrote:I just called and got it!! Woot Woot!
Nothing better than getting a new card with no INQ or new accounts hitting my CR!!
muhahaha
What's your point here where you can order a replacement card from almost all bank for free?
Want to make sure people know this is chip and signature, not the chip and pin you may find useful. Places such as train kiosk may require chip and pin.
@minipoly1 wrote:
@zerobacan wrote:I just called and got it!! Woot Woot!
Nothing better than getting a new card with no INQ or new accounts hitting my CR!!
muhahaha
What's your point here where you can order a replacement card from almost all bank for free?
The point is irony
@longtimelurker wrote:
@mike1789 wrote:What are the benefits of an EMV chip?
If you stay in the US, none.
If you have a card with a Foreign Transaction Fee (unless you don't have any card without an FTF) none
If you are outside the US, and have a card without a FTF: probably not much! I've found one place in Europe where it wouldn't take a swipe card but would take chip&sig. There are many more places that require chip&pin, but the Amex cards here currently don't support that. It may be different in some regions where chip&sig is more common.
People here are getting excited over what is more or less useless decoration.
+1. This sums it up quite nicely.
To be blunt, most Americans simply don't travel enough internationally to notice the difference. For these people, EMV is a novelty with little practical use. The minority who travel overseas often likely have other alternatives already. This definitely isn't a game-changer, and especially with FTFs present on most Amex cards.
Just got one for my AMEX Gold card via live chat.
Note that they seem to confuse with the word "EMV chip" try using "Chip with Signature" instead.
@CreditScholar wrote:
@longtimelurker wrote:
@mike1789 wrote:What are the benefits of an EMV chip?
If you stay in the US, none.
If you have a card with a Foreign Transaction Fee (unless you don't have any card without an FTF) none
If you are outside the US, and have a card without a FTF: probably not much! I've found one place in Europe where it wouldn't take a swipe card but would take chip&sig. There are many more places that require chip&pin, but the Amex cards here currently don't support that. It may be different in some regions where chip&sig is more common.
People here are getting excited over what is more or less useless decoration.
+1. This sums it up quite nicely.
To be blunt, most Americans simply don't travel enough internationally to notice the difference. For these people, EMV is a novelty with little practical use. The minority who travel overseas often likely have other alternatives already. This definitely isn't a game-changer, and especially with FTFs present on most Amex cards.
Adding a +2 here. The American EMV chip & sig never worked for me in places overseas! They required Chip & PIN instead. And guess what? places that actually accepted my Chip & Sig already accepts the mag stripe.
Basically, American EMV Chip & Sig = MOOT.
But i really like the way it looks... =)
BCE with EMV received! Looks great!
Also, BCE is a clear plastic so I can see what's behind the chip LOL