topic Re: Discover chip and pin in Credit Cards

Discover chip and pin

Skye12329 — Thu, 07 Jan 2016 22:01:37 GMT

So requested a new card, got it today and activated it via app. Well while avtivating it said please create a pin for purchases. So i thought that was interesting and would share.

Re: Discover chip and pin

lg8302ch — Thu, 07 Jan 2016 22:09:03 GMT

@Skye12329 wrote:
So requested a new card, got it today and activated it via app. Well while avtivating it said please create a pin for purchases. So i thought that was interesting and would share.

Please try to use it and report back if it is chip & pin or chip & signature .. in Europe where chip and pin is more than 10+ years I cannot use Discover with chip & pin and the pin is only for the unattended terminals. I would be courious to see if real chip and pin works with latest cards I hate to sign these paper slips ! For all the others I use Apple Pay but Discover simply does not work with Apple Pay here

Re: Discover chip and pin

Skye12329 — Thu, 07 Jan 2016 22:58:27 GMT

I will have to give it a try and report back the next time i go out. Does the merchant need to be able to accept chip and pin also? If so i think only target near me accepts chip and pin then.

Re: Discover chip and pin

lg8302ch — Fri, 08 Jan 2016 07:03:15 GMT

@Skye12329 wrote:
I will have to give it a try and report back the next time i go out. Does the merchant need to be able to accept chip and pin also? If so i think only target near me accepts chip and pin then.

Yes the merchant, the card issuer and the network will have to be ready ... similar to Apple Pay. Here it is the other way around...US cards are Apple Pay ready and in Europe they have the terminals but not the cards but with a combination of both it works great

Re: Discover chip and pin

creditguy — Fri, 08 Jan 2016 07:34:28 GMT

Interesting, I have a discover with a chip but never heard a peep about a pin. I like the idea of chip and pin a lot more than chip and signature, especially if I can choose the pin, I sure don't need s bunch of new random numbers to remember 😏

Re: Discover chip and pin

lg8302ch — Fri, 08 Jan 2016 08:04:50 GMT

@creditguy wrote:
Interesting, I have a discover with a chip but never heard a peep about a pin. I like the idea of chip and pin a lot more than chip and signature, especially if I can choose the pin, I sure don't need s bunch of new random numbers to remember 😏

that is the most important... I had to adust all pin to a German ATM card as this pin could not be changed. Worked well so far with the exception of the German Amex card which is chip and pin and does NOT allow to change the pin and I do not use this card at all because I cannot remember that pin and hate to look it up. For safety it should allow to be changed and selected so customers do not have to write it down.

Re: Discover chip and pin

Anonymous — Fri, 08 Jan 2016 10:15:09 GMT

For what it's worth the help pages for my account don't mention a PIN at all for purchases. I somehow have three cards on my account though (one "temporarily deactivated"), which I don't remember creating. Let me see if I have all three.

EDIT: well that's unfortunate--I only found two of the three. Looks like I'm getting my card/account replaced! (I really don't need three cards though; I wonder how that happened.) We'll see if the same message that OP got happens for me anyway.

Re: Discover chip and pin

takeshi74 — Fri, 08 Jan 2016 13:39:12 GMT

I'm skeptical. If Discover switched to chip & PIN it would be big news. Discover's site still indicates that the PIN is only for cash access.

@Skye12329 wrote:
I will have to give it a try and report back the next time i go out. Does the merchant need to be able to accept chip and pin also?

The merchant has to have EMV (supports both chip & PIN and chip & signature) enabled terminals.

Re: Discover chip and pin

Anonymous — Fri, 15 Jan 2016 03:13:48 GMT

Got my replacement card today and I wasn't prompted to create a PIN when I activated online, as I expected. The mailer that came with the card also said that "no PIN is required except at ATMs".

OP, what happened when you tried to use the chip at a store?

Re: Discover chip and pin

Anonymous — Fri, 15 Jan 2016 03:31:34 GMT

This is really interesting. The documentation on their website still notes the cards as Chip and Signature rather than Chip and Pin so if the card DOES work as a Chip and Pin it would be pretty big news.

You can set up a Pin, absolutely, but it's for cash advances (if you want to do something like this, better to get cash back at the register at locations that do it because then it's not considered a cash advance). Haven't been prompted for a pin at a chip terminal to date, personally - course, I never have to sign squat either so there's that.

Re: Discover chip and pin

9CLINE — Fri, 15 Jan 2016 03:41:45 GMT

When I login thru android mobile app have to put in a pin to enter account called a passcode... is this 4 digit code what you are referring to?
Just curious.......

edit*- typo correction

Re: Discover chip and pin

Anonymous — Fri, 15 Jan 2016 03:46:01 GMT

@9CLINE wrote:
When I login thru android mobile app have to put in a pin to enter account called a passcode... is this 4 digit code what you are referring to?
Just curious.......

edit*- typo correction

No, that's the code to log into the app. I think OP is referring to this screen:

(I was able to get to the screen by going to Profile and Settings->Create/Change PIN, at least on the iPhone.)

I went ahead and set a PIN here. I'll go to Walgreens/CVS in a bit and read my card with my card reader afterward to see if setting a PIN actually changed anything on it.

Re: Discover chip and pin

Anonymous — Fri, 15 Jan 2016 03:50:47 GMT

@Anonymous wrote:
@9CLINE wrote:
When I login thru android mobile app have to put in a pin to enter account called a passcode... is this 4 digit code what you are referring to?
Just curious.......

edit*- typo correction
No, that's the code to log into the app. I think OP is referring to this screen:

((NOTE: pic omitted as it is directly above this post))

(I was able to get to the screen by going to Profile and Settings->Create/Change PIN, at least on the iPhone.)

I went ahead and set a PIN here. I'll go to Walgreens/CVS in a bit and read my card with my card reader afterward to see if setting a PIN actually changed anything on it.

Interesting data point!!

I'll note that on the website it says no such thing when you go in to change your pin. I did it a little while ago when I first read this thread to see if there was any new terminology and nope.

Let us know if it has you put in your PIN or not.

Re: Discover chip and pin

9CLINE — Fri, 15 Jan 2016 04:03:12 GMT

@Anonymous wrote:
@9CLINE wrote:
When I login thru android mobile app have to put in a pin to enter account called a passcode... is this 4 digit code what you are referring to?
Just curious.......

edit*- typo correction
No, that's the code to log into the app. I think OP is referring to this screen:

(I was able to get to the screen by going to Profile and Settings->Create/Change PIN, at least on the iPhone.)

I went ahead and set a PIN here. I'll go to Walgreens/CVS in a bit and read my card with my card reader afterward to see if setting a PIN actually changed anything on it.

ok thanks ,,saw that it was in the same place on Note 3 as ur iPhone.... went ahead and set it up...had never seen it b4 now..will be interesting to see how this plays out....I was thinking this was for ATM to get cash advance(which I wasn't about 2 do) but on phone it plainly says " Your pin will be required for purchases at chip-enabled terminals or for cash advances. Each authorized user on this account can create their own pin."

Thanks for the info guys.......

Re: Discover chip and pin

Anonymous — Fri, 15 Jan 2016 04:09:44 GMT

Just came back from CVS and used the chip there. No PIN or signature required. Card reader here at home seems to indicate that nothing changed with the card after that trip (card is signature-only for purchases still). Who knows, maybe they'll announce something soon.

Re: Discover chip and pin

9CLINE — Fri, 15 Jan 2016 04:52:21 GMT

thanks for follow up ...we'll wait to see what comes along...

Re: Discover chip and pin

9CLINE — Sat, 16 Jan 2016 16:29:02 GMT

Follow up to this pin thingy... got email this morning from Discover

"Confirmation of your Discover Card PIN
Thank you for personalizing your PIN. You can use your PIN and Discover it® card to get cash at ATMs nationwide. To find ATMs near you, use the Discover ATM locator at Discover.com/cash-atm-locator.

If you wish to change your PIN in the future, you may do so by visiting Discover.com/cash or by using the Discover Mobile App.

You can view your latest account information, check your available credit and more at our website Discover.com. For additional self-service options or to speak with an Account Manager, please call the toll free number on the back of your Discover card.
Sincerely,

Discover Card Customer Service"

Re: Discover chip and pin

Anonymous — Sat, 16 Jan 2016 18:50:20 GMT

Discover isn't the reason why Apple Pay doesn't work in apps. It's the apps that haven't made in app purchases with Apple Pay possible.