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Established Contributor
logan_720
Posts: 608
Registered: ‎02-02-2012

Re: I need an EMV card

Why not just go for the BofA Cash Rewards card? I'm sure your scores are high enough for approval...

Community Leader
Valued Contributor
DaveSignal
Posts: 1,768
Registered: ‎07-29-2011

Re: I need an EMV card

I am going to go to BoA sometime and see what they can do for me.  I can't seem to use an APO address on the online application, and this will be my only means of receiving the card.


FICO Scores: EQ:712 TU:767 EX:706
Barclays Arrival World MasterCard $6.5k - BoA Travel Rewards Visa Signature $15k - SDFCU EMV $15k - NFCU goRewards $20k
Community Leader
Valued Contributor
DaveSignal
Posts: 1,768
Registered: ‎07-29-2011

Re: I need an EMV card


heirophant wrote:

 Is this really a big deal for going to, say, Europe or Asia?



Yes, its a big deal.  You will have to carry cash around or you might just get stuck somewhere with no way to buy transportation.  I thought the travel rewards came with an EMV chip always (it shows the chip on the online pictures).  I guess I will be sure to specify that I need a chip when I apply at BoA.


FICO Scores: EQ:712 TU:767 EX:706
Barclays Arrival World MasterCard $6.5k - BoA Travel Rewards Visa Signature $15k - SDFCU EMV $15k - NFCU goRewards $20k
Valued Member
OptimalFICO
Posts: 203
Registered: ‎07-05-2009

Re: I need an EMV card

I just checked with Digital Federal Credit Union to see if their Secured Visa product is EMV since a secured option would be a sure thing. But sorry, no go.

Community Leader
Valued Contributor
DaveSignal
Posts: 1,768
Registered: ‎07-29-2011

Re: I need an EMV card APPROVED $4.5k!!

I got it!

 

So I broke down and drove in to a BoA branch today.   I knew more about the cards BoA offered than the banking rep, and she, in fact, approved me for a 1-2-3 cash rewards card with $4.5k CL.  I told her that this was not what I asked for.  So she had to actually then call a customer service number for BoA credit cards while I was there.  She confirmed that she could get a chip put in the cash rewards or I could product change.  According to the rep on the phone, All of the Bankamericard Travel Rewards cards have a chip.  This card also has 0% foreign transaction fee, so it was a no brainer.  Rep was finally able to switch for me.

 

Bankamericard Travel Rewards, $4.5k CL, 0% foreign transaction fee, $0 annual fee, rewards.  perfect!

 

My card arsenal is complete!


FICO Scores: EQ:712 TU:767 EX:706
Barclays Arrival World MasterCard $6.5k - BoA Travel Rewards Visa Signature $15k - SDFCU EMV $15k - NFCU goRewards $20k
Frequent Contributor
iMacDrew
Posts: 350
Registered: ‎07-13-2012

Re: I need an EMV card APPROVED $4.5k!!

congrats on getting approved! Hopefully youre back stateside soon, unless youre getting some sweet orders then enjoy your time overseas.

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Community Leader
Valued Contributor
DaveSignal
Posts: 1,768
Registered: ‎07-29-2011

Re: I need an EMV card APPROVED $4.5k!!

Thanks!  I have a great assignment.


FICO Scores: EQ:712 TU:767 EX:706
Barclays Arrival World MasterCard $6.5k - BoA Travel Rewards Visa Signature $15k - SDFCU EMV $15k - NFCU goRewards $20k
Established Contributor
heirophant
Posts: 532
Registered: ‎11-25-2007

Re: I need an EMV card APPROVED $4.5k!!


DaveSignal wrote:

According to the rep on the phone, All of the Bankamericard Travel Rewards cards have a chip.



Post back here when you get the card and let us know if it, indeed, has a chip.  I am looking at my card and I just looked at the website to see a picture with the chip, and I can confirm that I do not have a chip in my card and it was received last Monday.

 

Congrats on the approval.  Was it instant?  I had to call in and they just verified my address.  As with you, my arsenal is also complete.  This is a great card to end with.  Enjoy your garden!

FICO's: TU: 682 EX: 688 EQ: Unknown

In my wallet (strikethough are getting the axe soon): Amex Rewards Plus Gold | BECU: 10,000 | AlaskaUSA FCU: 6,900 | Citi Forward 6,500 | BOA Travel Rewards: 5,000 | US Bank Cash+: 5,000 | Merrick: 4,200 | Chase Freedom: 3,500 | Juniper: 3,100 | Household: 2,450 | Best Buy Reward Zone: 2,000 | Cap1: 1,500 | Cap1: 750 | Bailey's Furniture: 3,100 | Lowes: 4,500 | Care Credit: 2,000 | Zales: 1,400 | Kohls: 400 | Sam's: 5,200 | Walmart: 1,100 | Discover More: 1,000
Community Leader
Valued Contributor
DaveSignal
Posts: 1,768
Registered: ‎07-29-2011

Re: I need an EMV card APPROVED $4.5k!!

[ Edited ]

I went in to the branch, but yes it was instant.  That would be awful if I got it without a chip.  Then I would have to explain what I applied for all over again with a banking representative and wait for a replacement.

 

But I will let you know.

 

EDIT:  The Travel Rewards card I applied for is not a Visa signature card, so maybe you have a different card entirely?


FICO Scores: EQ:712 TU:767 EX:706
Barclays Arrival World MasterCard $6.5k - BoA Travel Rewards Visa Signature $15k - SDFCU EMV $15k - NFCU goRewards $20k
Established Contributor
heirophant
Posts: 532
Registered: ‎11-25-2007

Re: I need an EMV card APPROVED $4.5k!!

[ Edited ]

Yes, I saw that it was in a branch.  Just wondering if you had to explain anything or if they just said yes.

FICO's: TU: 682 EX: 688 EQ: Unknown

In my wallet (strikethough are getting the axe soon): Amex Rewards Plus Gold | BECU: 10,000 | AlaskaUSA FCU: 6,900 | Citi Forward 6,500 | BOA Travel Rewards: 5,000 | US Bank Cash+: 5,000 | Merrick: 4,200 | Chase Freedom: 3,500 | Juniper: 3,100 | Household: 2,450 | Best Buy Reward Zone: 2,000 | Cap1: 1,500 | Cap1: 750 | Bailey's Furniture: 3,100 | Lowes: 4,500 | Care Credit: 2,000 | Zales: 1,400 | Kohls: 400 | Sam's: 5,200 | Walmart: 1,100 | Discover More: 1,000

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