Odd EMV Credit Card Receipt

[UncleB]

When I use my USAA Visa chip/signature card at Wal-Mart, the receipt says "Visa Credit" before the truncated account number, and when I use either of my Amex chip/signature cards the receipt reads "American Express" before the truncated account number, which is also to be expected.

When I used my new Capital One QS1 Mastercard at Wal-Mart, I noticed the PIN-pad displayed "Capital One" when I inserted the card.  Later, upon a closer look at the receipt, I noticed the paper receipt has "Capital One" printed in front of the truncated account number, instead of the card brand.  The receipt does have "MCard Tender" beneath the total, but this is the first time I've ever had a bank's name appear on a cash register receipt.

Has anyone else had a similar experience?

[Anonymous]

---

@UncleB wrote:

When I use my USAA Visa chip/signature card at Wal-Mart, the receipt says "Visa Credit" before the truncated account number, and when I use either of my Amex chip/signature cards the receipt reads "American Express" before the truncated account number, which is also to be expected.

When I used my new Capital One QS1 Mastercard at Wal-Mart, I noticed the PIN-pad displayed "Capital One" when I inserted the card.  Later, upon a closer look at the receipt, I noticed the paper receipt has "Capital One" printed in front of the truncated account number, instead of the card brand.  The receipt does have "MCard Tender" beneath the total, but this is the first time I've ever had a bank's name appear on a cash register receipt.

Has anyone else had a similar experience?

---

I used my QS1 EMV card in London a few weeks ago and as it was processing is said "capital one" on screen on the pin pad. I thought it was odd too.

[Anonymous]

It's really not all that odd.

[UncleB]

---

@Anonymous wrote:

It's really not all that odd.

---

Really?  Having an issuer's name print on a receipt is certainly odd to me.

[Anonymous]

Chase's cards used to cause Walmart to say something like "Chase VisaCredit" for a bit. Then the Home Depot breach happened and caused me to get a replacement that just showed "Visa Credit". 

Anyway, it's an optional thing that issuers can set up their cards to do. It doesn't seem all that common though.

[Anonymous]

Why would this be odd? Its totally normal.

How else besides online statements, would you be able to distinguish which card you used for a purchase? Other than having multiple cards from the same company, this would the the way to tell quickly which one you used if you needed to make a return.

[UncleB]

---

@Anonymous wrote:

Why would this be odd? Its totally normal.

How else besides online statements, would you be able to distinguish which card you used for a purchase? Other than having multiple cards from the same company, this would the the way to tell quickly which one you used if you needed to make a return.

---

You're confusing 'odd' with 'bad'. 

It's not a 'bad' thing, but I don't think anybody will argue that it's been this way everywhere all along, because it hasn't.  Apparently it's an option for cards with EMV chips that previously I was unaware of.  I can say with certainty that in my decades of using cards with magnetic stripes, I've never seen this. 

To answer your question on how one would distinguish which card had been used for a purchase, in the past I've used the card number, or for the last few years, the truncated number (last four digits).

It's just a 'new thing', and I wondered if anybody else had noticed.

[Anonymous]

---

@Anonymous wrote:

Why would this be odd? Its totally normal.

How else besides online statements, would you be able to distinguish which card you used for a purchase? Other than having multiple cards from the same company, this would the the way to tell quickly which one you used if you needed to make a return.

---

Isn't the card type (Visa/MC/etc) and the last four digits enough usually? I wouldn't think it's that likely one would have two of the same type of card with different beginning digits and the same last four.

[NRB525]

---

@UncleB wrote:

---

@Anonymous wrote:

Why would this be odd? Its totally normal.

How else besides online statements, would you be able to distinguish which card you used for a purchase? Other than having multiple cards from the same company, this would the the way to tell quickly which one you used if you needed to make a return.

---

You're confusing 'odd' with 'bad'. 

It's not a 'bad' thing, but I don't think anybody will argue that it's been this way everywhere all along, because it hasn't.  Apparently it's an option for cards with EMV chips that previously I was unaware of.  I can say with certainty that in my decades of using cards with magnetic stripes, I've never seen this. 

To answer your question on how one would distinguish which card had been used for a purchase, in the past I've used the card number, or for the last few years, the truncated number (last four digits).

It's just a 'new thing', and I wondered if anybody else had noticed.

---

I used my new US Bank Cash+ at Target today, and Target required the EMV chip to be entered in the reader. On the receipt, though, it only shows Visa Credit, and no reference at all to the last four on the card, which I find annoying.

I went to Safeway yesterday, and because I used the loyalty card, my receipt has my full name printed on it, American Express, and the last four digits of the AMEX number. I like getting the last four digits, to keep track of which card made the charge, but Safeway has been putting my full name on receipts (the few times I do go there) for years, and I find that just pointless, marginally annoying. The only real purpose I can figure is it gives the cashier a chance to "personalize" the transaction by calling out your name so everyone can hear.

So, in extremis, a person nearby sees which card I have, which gives them a good idea for the first 6 digits. If they get the receipt (presuming I'm typical and dump it in the waste bin) they get my full name and the last four digits of the card number, now all they have to do is make up the middle 5-6 digits and an expiration date to try to have fun with the credit line.