@Spider15 wrote:
@nyancat wrote:
@Spider15 wrote:
@longtimelurker wrote:
@nyancat wrote:Can you call to see if they can send you a chip card?
Got a response to my message. In part:
Discover does offer chip cards; however, due to the market not adopting chip card technology as quickly as anticipated, we advise that you continue using your current cards. When a chip card is requested it replaces all magnetic-strip only cards for the cardholder requesting the chip card. We deactivate the magnetic-strip only card that belongs to the person whose chip card has been activated; however, all other magnetic strip only cards remain activated. If you'd still like a chip card, please let me know and I will be happy to request one be sent to you.
I requested one, lets see what happens.
At the end of the day the EMV Chip Card has worked fine for me. All that lingo means is the cards (in my case with sequence numbers 001 through 007 that were non-chipped would no longer work and would be blocked).
Respectfully, not everyone has had the same experience as you. In my case, two of my three chip Discover cards have major issues at chip merchants (e.g. don't work). There's clearly something wrong, either in D-PAS (the Discover/Diner's Club AID) or in the implementation on some of the cards that have been sent out. Since news like that wouldn't go over well, they're understandably using other wording. I think, even if all the cards being sent out today work (they probably do, they got rid of all the designs reported to not be working...), that they're also warning based on the number of chip-enabled merchants that don't have D-PAS.
Excuse me, I forgot that there are two types of card product types with Discover. My focus was on explaining what Discover meant by their wording related to blocking non EMV Chipped Cards after you received an EMV Chipped Card. My experience was related to them blocking the sequence numbers that were non EMV Chipped cards. Apparently, that was only clear to me.
My sincerest appologies for my lack of clearity and incomplete thoughts as it relates to my experience. I was so excited to have had an eye on what Discover was doing with sequence numbers that I forgot about the rest of the world. My deepest apologies!
Truth, if it had not been for the discussion on G&D cards vs CPI-co cards manufacturers I would not have known. Now, as to your tone and I have noticed it before ... why do you crawl down my throat on your response? You have much excellent knowledge. Allow for people being human. It did not occur to me that I was leaving out the important part about the different cards and I made a sweeping generalization as it relates to me!.
Excuse me?
No crawling down throat intended, I'm sorry if I came across that way to you - I really am. The Internet doesn't reflect tone or context well. Yes, they kill all the PAN sequence numbers, but that alone doesn't explain the warning they're now giving people. Nor does their feeble excuse of poor merchant adoption - you swipe where you can't use the chip. There's clearly implementation issues, and I'm not sure the warning all comes from my issue with the G&D cards. I think a lot comes from the chip-enabled merchants around the world that are NOT enabled for D-PAS creating a confusing situation.
All in all, no jumping or crawling intended 
Throats are dark and scary places - no desire to be in one at all
@nyancat wrote:
@Spider15 wrote:
@nyancat wrote:
@Spider15 wrote:
@longtimelurker wrote:
@nyancat wrote:Can you call to see if they can send you a chip card?
Got a response to my message. In part:
Discover does offer chip cards; however, due to the market not adopting chip card technology as quickly as anticipated, we advise that you continue using your current cards. When a chip card is requested it replaces all magnetic-strip only cards for the cardholder requesting the chip card. We deactivate the magnetic-strip only card that belongs to the person whose chip card has been activated; however, all other magnetic strip only cards remain activated. If you'd still like a chip card, please let me know and I will be happy to request one be sent to you.
I requested one, lets see what happens.
At the end of the day the EMV Chip Card has worked fine for me. All that lingo means is the cards (in my case with sequence numbers 001 through 007 that were non-chipped would no longer work and would be blocked).
Respectfully, not everyone has had the same experience as you. In my case, two of my three chip Discover cards have major issues at chip merchants (e.g. don't work). There's clearly something wrong, either in D-PAS (the Discover/Diner's Club AID) or in the implementation on some of the cards that have been sent out. Since news like that wouldn't go over well, they're understandably using other wording. I think, even if all the cards being sent out today work (they probably do, they got rid of all the designs reported to not be working...), that they're also warning based on the number of chip-enabled merchants that don't have D-PAS.
Excuse me, I forgot that there are two types of card product types with Discover. My focus was on explaining what Discover meant by their wording related to blocking non EMV Chipped Cards after you received an EMV Chipped Card. My experience was related to them blocking the sequence numbers that were non EMV Chipped cards. Apparently, that was only clear to me.
My sincerest appologies for my lack of clearity and incomplete thoughts as it relates to my experience. I was so excited to have had an eye on what Discover was doing with sequence numbers that I forgot about the rest of the world. My deepest apologies!
Truth, if it had not been for the discussion on G&D cards vs CPI-co cards manufacturers I would not have known. Now, as to your tone and I have noticed it before ... why do you crawl down my throat on your response? You have much excellent knowledge. Allow for people being human. It did not occur to me that I was leaving out the important part about the different cards and I made a sweeping generalization as it relates to me!.
Excuse me?
No crawling down throat intended, I'm sorry if I came across that way to you - I really am. The Internet doesn't reflect tone or context well. Yes, they kill all the PAN sequence numbers, but that alone doesn't explain the warning they're now giving people. Nor does their feeble excuse of poor merchant adoption - you swipe where you can't use the chip. There's clearly implementation issues, and I'm not sure the warning all comes from my issue with the G&D cards. I think a lot comes from the chip-enabled merchants around the world that are NOT enabled for D-PAS creating a confusing situation.
All in all, no jumping or crawling intended
As I mentioned before, you have an immense amount of deep knowledge (not from looking in a dark throat). You have consistently provided information that I have never found anywhere. It scares me some of your findings. Coming from much travel and overseas experiences you have seen and experienced a lot. While I don't always like what you tell us but, it is what it is!
Keep providing the deep big picture. Our lenders, banks and card networks sure don't do it! Thanks
@Spider15 wrote:
@nyancat wrote:
@Spider15 wrote:
@nyancat wrote:
@Spider15 wrote:
@longtimelurker wrote:
@nyancat wrote:Can you call to see if they can send you a chip card?
Got a response to my message. In part:
Discover does offer chip cards; however, due to the market not adopting chip card technology as quickly as anticipated, we advise that you continue using your current cards. When a chip card is requested it replaces all magnetic-strip only cards for the cardholder requesting the chip card. We deactivate the magnetic-strip only card that belongs to the person whose chip card has been activated; however, all other magnetic strip only cards remain activated. If you'd still like a chip card, please let me know and I will be happy to request one be sent to you.
I requested one, lets see what happens.
At the end of the day the EMV Chip Card has worked fine for me. All that lingo means is the cards (in my case with sequence numbers 001 through 007 that were non-chipped would no longer work and would be blocked).
Respectfully, not everyone has had the same experience as you. In my case, two of my three chip Discover cards have major issues at chip merchants (e.g. don't work). There's clearly something wrong, either in D-PAS (the Discover/Diner's Club AID) or in the implementation on some of the cards that have been sent out. Since news like that wouldn't go over well, they're understandably using other wording. I think, even if all the cards being sent out today work (they probably do, they got rid of all the designs reported to not be working...), that they're also warning based on the number of chip-enabled merchants that don't have D-PAS.
Excuse me, I forgot that there are two types of card product types with Discover. My focus was on explaining what Discover meant by their wording related to blocking non EMV Chipped Cards after you received an EMV Chipped Card. My experience was related to them blocking the sequence numbers that were non EMV Chipped cards. Apparently, that was only clear to me.
My sincerest appologies for my lack of clearity and incomplete thoughts as it relates to my experience. I was so excited to have had an eye on what Discover was doing with sequence numbers that I forgot about the rest of the world. My deepest apologies!
Truth, if it had not been for the discussion on G&D cards vs CPI-co cards manufacturers I would not have known. Now, as to your tone and I have noticed it before ... why do you crawl down my throat on your response? You have much excellent knowledge. Allow for people being human. It did not occur to me that I was leaving out the important part about the different cards and I made a sweeping generalization as it relates to me!.
Excuse me?
No crawling down throat intended, I'm sorry if I came across that way to you - I really am. The Internet doesn't reflect tone or context well. Yes, they kill all the PAN sequence numbers, but that alone doesn't explain the warning they're now giving people. Nor does their feeble excuse of poor merchant adoption - you swipe where you can't use the chip. There's clearly implementation issues, and I'm not sure the warning all comes from my issue with the G&D cards. I think a lot comes from the chip-enabled merchants around the world that are NOT enabled for D-PAS creating a confusing situation.
All in all, no jumping or crawling intended
As I mentioned before, you have an immense amount of deep knowledge (not from looking in a dark throat). You have consistently provided information that I have never found anywhere. It scares me some of your findings. Coming from much travel and overseas experiences you have seen and experienced a lot. While I don't always like what you tell us but, it is what it is!
Keep providing the deep big picture. Our lenders, banks and card networks sure don't do it! Thanks
I don't like a lot of what I have to say. Specifically, I hate the fact that major banks have chosen to go chip and signature in the US. While true that it addresses their immediate fraud concern, PIN is nicer, more globally interoperable, faster once you're used to it, and eliminates ever being asked for ID...
I say what I believe is true based on industry publications, not what I want to hear. It's almost enough to make me want to start my own payment card network. Too bad the barriers to entry are so high.
@longtimelurker wrote:So, taking one of the team (maybe) I just used Discover Deals. In a few weeks (or is it really quicker usually) see if it posts as miles or as something else. Still won't know if iti will be doubled but if it is miles I suspect it would be.
This DD (drugstore.com) is 5%, whereas topcashback gives 8% on drugstore.com. So if they are not doubled, I am out 3% of ~ $25, so I took a huge $0.75% risk!
Think of the possible rewards if it works like we all hope. Without risk you don't gain rewards
