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First Premier Chip + Pin

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OmarGB9
Community Leader
Super Contributor

First Premier Chip + Pin

So I work in retail, and I was ringing out a customer, and they whipped out a FP MC and I just flinched internally...lol. Worst part is, that one didn't go through as it was chip and pin and she hadn't set up the pin yet, so she goes back into her wallet and pulls out *another* FP card with no chip and proceeds to pay with that one instead. I think I died a little inside... Smiley Sad

Anyway the main point of my thread is that it was truly a chip and pin card, because when she first inserted the card, after confirming the purchase amount it proceeded to ask for a pin rather than a signature. I was genuinely surprised. I know there have been a couple of threads about this already, but I don't think any of them verified that FP was "true" chip and pin. Well I can confirm it is. Lol.


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 1 of 10
9 REPLIES 9
willwar14
Valued Contributor

Re: First Premier Chip + Pin

Uh 2 FP cards? Yikes.

CH7 FILED: 08/18/2022, DC: 01/23/2023
Message 2 of 10
Skye12329
Valued Contributor

Re: First Premier Chip + Pin

Dem feels. I have seen elderly people with credit one cards come through my line...like elderly people should have excellent credit IMO.
BK7 - 2/21
Cap1 QS - 2k (4/21)
Mission Lane - 4k (11/21)
Venmo - 900 (11/21)
SavorOne - 2500 (12/21)
VentureOne - 2000 (7/22)
Message 3 of 10
Anonymous
Not applicable

Re: First Premier Chip + Pin

Lawd she got them feeeeeeeees. *runs, hides and eats a piece of pizza*
Message 4 of 10
nyancat
Established Contributor

Re: First Premier Chip + Pin

The merchant industry groups have publicly congratulated First Premier for being one of the few chip and PIN issuers. It is good but it doesn't come close to atoning their sins
American Express Blue Cash Everyday - $11,000; American Express Platinum Cashback Everyday - £3,000; American Express Rewards Credit Card - £7,500; Aqua Reward Mastercard - £3,500; Bank of America Travel Rewards - $5,000; Barclaycard Freedom Rewards - £3,500; Citi Forward - $5,800; Discover It - $10,000; Halifax Clarity - £1,500; HSBC Platinum with Rewards - $5,000, MBNA Everyday Plus - £3,500
Message 5 of 10
Anonymous
Not applicable

Re: First Premier Chip + Pin

They don't make you set one up immediately after activating the card nor do they mail one separate from the card? Interesting.

Message 6 of 10
Anonymous
Not applicable

Re: First Premier Chip + Pin

Chip and PIN on a First Premier is like putting spinning rims on a Ford Escort. 

Message 7 of 10
lhcole77
Valued Contributor

Re: First Premier Chip + Pin


@Anonymous wrote:
Lawd she got them feeeeeeeees.

Message 8 of 10
itsnew
Contributor

Re: First Premier Chip + Pin

She may not know about the benefits of my fico and all there is to learn here. I was once there and am on the road to improve but it's only because I began to read and really understand. I had no one to provide me with the info or share as an example. Knowledge is power.
img align="left" border="0" width="50" height="50" src="https://ficoforums.myfico.com/html/assets/challenge.png">Starting Score: 693
Current Score: 800
Goal Score: 850


Take the myFICO Fitness Challenge
Message 9 of 10
Anonymous
Not applicable

Re: First Premier Chip + Pin

So the leopard print card got declined so she whipped out the zebra print card am I getting this right?
Message 10 of 10
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