topic Re: Question about Chip and Pin cards in Credit Cards

Question about Chip and Pin cards

Anonymous — Thu, 26 Feb 2015 04:47:17 GMT

AFAIK I have 4 Chip and PIN cards; NFCU, NASA, PenFed and Diners Club. Of the 4 which one(s) are the one with PIN priority over signature (not sure of the exact terminology here)? And how do you tell which it is?

And does any any of that matter right now in the US? I understand that it does overseas.

Re: Question about Chip and Pin cards

Lyythine — Thu, 26 Feb 2015 04:51:20 GMT

@Anonymous wrote:
AFAIK I have 4 Chip and PIN cards; NFCU, NASA, PenFed and Diners Club. Of the 4 which one(s) are the one with PIN priority over signature (not sure of the exact terminology here)? And how do you tell which it is?

And does any any of that matter right now in the US? I understand that it does overseas.

Currently, none of it matters in the US, unless it is a specific PIN terminal, which I have only seen once in the past year (in Dallas). As for oversees, my experience is that it is PIN over signature on automated machines (subway/parking, etc and either at retail locations.

The only card I have that you have listed is the NFCU card, however, I have not used it abroad. I am speaking generally based on the other cards I have.

Re: Question about Chip and Pin cards

Anonymous — Thu, 26 Feb 2015 04:57:31 GMT

@Lyythine wrote:
@Anonymous wrote:
AFAIK I have 4 Chip and PIN cards; NFCU, NASA, PenFed and Diners Club. Of the 4 which one(s) are the one with PIN priority over signature (not sure of the exact terminology here)? And how do you tell which it is?

And does any any of that matter right now in the US? I understand that it does overseas.
Currently, none of it matters in the US, unless it is a specific PIN terminal, which I have only seen once in the past year (in Dallas). As for oversees, my experience is that it is PIN over signature on automated machines (subway/parking, etc and either at retail locations.

The only card I have that you have listed is the NFCU card, however, I have not used it abroad. I am speaking generally based on the other cards I have.

Thanks! One day I'll understand all of this. At least I hope.

Re: Question about Chip and Pin cards

Anonymous — Thu, 26 Feb 2015 04:58:33 GMT

@Lyythine wrote:
@Anonymous wrote:
AFAIK I have 4 Chip and PIN cards; NFCU, NASA, PenFed and Diners Club. Of the 4 which one(s) are the one with PIN priority over signature (not sure of the exact terminology here)? And how do you tell which it is?

And does any any of that matter right now in the US? I understand that it does overseas.
Currently, none of it matters in the US, unless it is a specific PIN terminal, which I have only seen once in the past year (in Dallas). As for oversees, my experience is that it is PIN over signature on automated machines (subway/parking, etc and either at retail locations.

The only card I have that you have listed is the NFCU card, however, I have not used it abroad. I am speaking generally based on the other cards I have.

BTW, , which card do you tend to use abroad?

Re: Question about Chip and Pin cards

Lyythine — Thu, 26 Feb 2015 05:02:13 GMT

@Anonymous wrote:
@Lyythine wrote:
@Anonymous wrote:
AFAIK I have 4 Chip and PIN cards; NFCU, NASA, PenFed and Diners Club. Of the 4 which one(s) are the one with PIN priority over signature (not sure of the exact terminology here)? And how do you tell which it is?

And does any any of that matter right now in the US? I understand that it does overseas.
Currently, none of it matters in the US, unless it is a specific PIN terminal, which I have only seen once in the past year (in Dallas). As for oversees, my experience is that it is PIN over signature on automated machines (subway/parking, etc and either at retail locations.

The only card I have that you have listed is the NFCU card, however, I have not used it abroad. I am speaking generally based on the other cards I have.
Thanks! One day I'll understand all of this. At least I hope.

One day, you shouldnt have to. Eventually they will all be Chip & Pin cards (or at least thats the hope). Currently, the Chip and Signature is a stop-gap measure to meet federal requirements...

Re: Question about Chip and Pin cards

Lyythine — Thu, 26 Feb 2015 05:07:35 GMT

@Anonymous wrote:
@Lyythine wrote:
@Anonymous wrote:
AFAIK I have 4 Chip and PIN cards; NFCU, NASA, PenFed and Diners Club. Of the 4 which one(s) are the one with PIN priority over signature (not sure of the exact terminology here)? And how do you tell which it is?

And does any any of that matter right now in the US? I understand that it does overseas.
Currently, none of it matters in the US, unless it is a specific PIN terminal, which I have only seen once in the past year (in Dallas). As for oversees, my experience is that it is PIN over signature on automated machines (subway/parking, etc and either at retail locations.

The only card I have that you have listed is the NFCU card, however, I have not used it abroad. I am speaking generally based on the other cards I have.
BTW, , which card do you tend to use abroad?

If in Europe or UK, I tend use my Lloyds Bank Visa for small purchases. Other areas and larger purchases and/or rentals/hotels, I use either Amex Platinum or Merril Lynch.

Re: Question about Chip and Pin cards

Anonymous — Thu, 26 Feb 2015 05:09:12 GMT

Thanks. Well I have 1/3. Other two are out of my league.

Re: Question about Chip and Pin cards

Lyythine — Thu, 26 Feb 2015 05:11:37 GMT

@Anonymous wrote:
Thanks. Well I have 1/3. Other two are out of my league.

Not for long

If you want a great true Chip & Pin card that I have had great success with using at those annoying self-service pin only kiosks... Wells Fargo Platinum has saved me more times than I can count. I also have a much better experience with Wells Fargo than some on this board. For me, they have always been exceptionally helpful.

Re: Question about Chip and Pin cards

Anonymous — Thu, 26 Feb 2015 05:13:21 GMT

@Lyythine wrote:
@Anonymous wrote:
Thanks. Well I have 1/3. Other two are out of my league.
Not for long

If you want a great true Chip & Pin card that I have had great success with using at those annoying self-service pin only kiosks... Wells Fargo Platinum has saved me more times than I can count. I also have a much better experience with Wells Fargo than some on this board. For me, they have always been exceptionally helpful.

I'll have to look into WF. I have avoided them because of stories I've read on here

Re: Question about Chip and Pin cards

sillykitty1 — Thu, 26 Feb 2015 05:15:35 GMT

Tons of data on Flyertalk on Chip & Pin

Re: Question about Chip and Pin cards

Lyythine — Thu, 26 Feb 2015 05:15:45 GMT

Forgot to add:

Of the cards listed in your sig, I would use the following abroad

1)Amex Plat

2) USAA

3) CSP

Reasons: I have never had my Amex declined abroad. USAA will not block a transaction abroad. IF there is a security issue, they will call your cell immediately and if you answer and approve the previous transaction, card will continue to work with no issue. Lastly, Chase was my saving grace years and years ago when my wallet was lost. They overnighted me a card to the middle of no where and talked with a local hotel to guarantee the room and somehow even got them to give me approx $100 cash until I got my card.

I would not use:

NFCU

The only reason I would not suggest NFCU is because if something goes wrong, they arent exaclty the most understanding and they tend not to work quickly when issues arise.

Re: Question about Chip and Pin cards

Anonymous — Thu, 26 Feb 2015 05:19:17 GMT

Appreciate the suggestions. Didn't know all of that.

Re: Question about Chip and Pin cards

nyancat — Thu, 26 Feb 2015 07:02:09 GMT

@Lyythine wrote:
@Anonymous wrote:
@Lyythine wrote:
@Anonymous wrote:
AFAIK I have 4 Chip and PIN cards; NFCU, NASA, PenFed and Diners Club. Of the 4 which one(s) are the one with PIN priority over signature (not sure of the exact terminology here)? And how do you tell which it is?

And does any any of that matter right now in the US? I understand that it does overseas.
Currently, none of it matters in the US, unless it is a specific PIN terminal, which I have only seen once in the past year (in Dallas). As for oversees, my experience is that it is PIN over signature on automated machines (subway/parking, etc and either at retail locations.

The only card I have that you have listed is the NFCU card, however, I have not used it abroad. I am speaking generally based on the other cards I have.
Thanks! One day I'll understand all of this. At least I hope.
One day, you shouldnt have to. Eventually they will all be Chip & Pin cards (or at least thats the hope). Currently, the Chip and Signature is a stop-gap measure to meet federal requirements...

There are no federal requirements at all. Chip and signature is to address 90% of the current fraud problem, without scaring customers off using their cards. Many big banks are convinced Americans would stop using their cards if they had PIN numbers. Sad...

Re: Question about Chip and Pin cards

bigbang91 — Thu, 26 Feb 2015 11:15:20 GMT

@Lyythine wrote:
Forgot to add:

Of the cards listed in your sig, I would use the following abroad

1)Amex Plat
2) USAA
3) CSP

Reasons: I have never had my Amex declined abroad. USAA will not block a transaction abroad. IF there is a security issue, they will call your cell immediately and if you answer and approve the previous transaction, card will continue to work with no issue. Lastly, Chase was my saving grace years and years ago when my wallet was lost. They overnighted me a card to the middle of no where and talked with a local hotel to guarantee the room and somehow even got them to give me approx $100 cash until I got my card.

I would not use:
NFCU

The only reason I would not suggest NFCU is because if something goes wrong, they arent exaclty the most understanding and they tend not to work quickly when issues arise.

Most places i visited in asia dont accept amex, although once they did send me the card all the way to Japan free of charge in 3 days.

Re: Question about Chip and Pin cards

bigbang91 — Thu, 26 Feb 2015 11:17:14 GMT

@Anonymous wrote:
Appreciate the suggestions. Didn't know all of that.

Did your ritz card get chipped? My sister's card has the chip on it.

Re: Question about Chip and Pin cards

Anonymous — Thu, 26 Feb 2015 12:31:35 GMT

@bigbang91 wrote:
@Anonymous wrote:
Appreciate the suggestions. Didn't know all of that.
Did your ritz card get chipped? My sister's card has the chip on it.

Yes, it has a chip

Re: Question about Chip and Pin cards

Anonymous — Thu, 26 Feb 2015 18:44:51 GMT

@Anonymous wrote:
AFAIK I have 4 Chip and PIN cards; NFCU, NASA, PenFed and Diners Club. Of the 4 which one(s) are the one with PIN priority over signature (not sure of the exact terminology here)? And how do you tell which it is?

And does any any of that matter right now in the US? I understand that it does overseas.

Only Diners Club and Navy Federal are PIN priority. FYI you may have issues with PIN priority cards at smaller businesses in the US but that's because acquirers/processors are pretty much telling businesses they don't have to change anything about their processes (which isn't true).

BTW FlyerTalk has a link to a user contributed map that will show you where you can use your chipped cards in the US today.

Re: Question about Chip and Pin cards

Anonymous — Thu, 26 Feb 2015 18:50:47 GMT

@Anonymous wrote:
@Anonymous wrote:
AFAIK I have 4 Chip and PIN cards; NFCU, NASA, PenFed and Diners Club. Of the 4 which one(s) are the one with PIN priority over signature (not sure of the exact terminology here)? And how do you tell which it is?

And does any any of that matter right now in the US? I understand that it does overseas.
Only Diners Club and Navy Federal are PIN priority. FYI you may have issues with PIN priority cards at smaller businesses in the US but that's because acquirers/processors are pretty much telling businesses they don't have to change anything about their processes (which isn't true).

BTW FlyerTalk has a link to a user contributed map that will show you where you can use your chipped cards in the US today.

Thank you

Re: Question about Chip and Pin cards

ojefferyo — Thu, 26 Feb 2015 19:53:46 GMT

@Anonymous wrote:
AFAIK I have 4 Chip and PIN cards; NFCU, NASA, PenFed and Diners Club. Of the 4 which one(s) are the one with PIN priority over signature (not sure of the exact terminology here)? And how do you tell which it is?

And does any any of that matter right now in the US? I understand that it does overseas.

90% of the time I use my Diners at a place that takes debit I have to enter my PIN unless I do it via contactess. So I would say the Diners card would more times than not ask for PIN.

Re: Question about Chip and Pin cards

odd_dog — Thu, 26 Feb 2015 20:07:21 GMT

WOW this is a timely post for me, I am going over to the UK for work and they told me I would have trouble with the AMEX corp. card (no chip) and to bring a chip and pin Visa or MasterCard....I am bringing the Arrival + You can actually put in your own 4 digit pin on your account page....hope it works over there!!