topic Re: Anyone recently get asked by Cap One about upgrading to contactless EMV? in Credit Cards

Anyone recently get asked by Cap One about upgrading to contactless EMV?

barthooper — Wed, 31 Aug 2016 20:11:55 GMT

A friend of mine told me he got an email from Cap One offering this, and I was wondering if anyone on here has recently? It seemed out of the blue, as he doesn't even use his Quicksilver anymore, due to having a DoubleCash.

Kind of funny if they really are about to roll this out because not even a week ago I randomly decided to say my card was damaged so they would replace it with a chip, since it was my only outstanding swipe only card, and I got bored.

The email referred to it as contactless chip.

Capital One said they would email me when my replacement shipped but I haven't gotten an email about that yet either. Maybe this is causing them to lag.

Re: Anyone recently get asked by Cap One about upgrading to contactless EMV?

Anonymous — Thu, 01 Sep 2016 02:33:36 GMT

I got the offer this morning.

Re: Anyone recently get asked by Cap One about upgrading to contactless EMV?

creditguy — Thu, 01 Sep 2016 02:46:05 GMT

Kind of dumb of them to ask if you want an upgrade, they should just send the replacement, I mean it is required of them to do so unless of course they want all the liability resting on them.

Re: Anyone recently get asked by Cap One about upgrading to contactless EMV?

-Cal- — Thu, 01 Sep 2016 02:54:15 GMT

@creditguy wrote:
Kind of dumb of them to ask if you want an upgrade, they should just send the replacement, I mean it is required of them to do so unless of course they want all the liability resting on them.

EMV and contactless EMV are two separate things.

Re: Anyone recently get asked by Cap One about upgrading to contactless EMV?

creditguy — Thu, 01 Sep 2016 02:59:02 GMT

@-Cal- wrote:
@creditguy wrote:
Kind of dumb of them to ask if you want an upgrade, they should just send the replacement, I mean it is required of them to do so unless of course they want all the liability resting on them.
EMV and contactless EMV are two separate things.

Indeed they are, I just focused on the EMV, good looking out.

Re: Anyone recently get asked by Cap One about upgrading to contactless EMV?

Anonymous — Thu, 01 Sep 2016 03:49:25 GMT

Contactless cards are the RFID cards, which are not a good idea unless you have the signal blocking wallet. Also, how lazy can a person be to think "oh, swiping or inserting my card is such a chore!!!" Psssh...

Re: Anyone recently get asked by Cap One about upgrading to contactless EMV?

Anonymous — Sat, 03 Sep 2016 05:09:23 GMT

@Anonymous wrote:
Contactless cards are the RFID cards, which are not a good idea unless you have the signal blocking wallet. Also, how lazy can a person be to think "oh, swiping or inserting my card is such a chore!!!" Psssh...

If your card has an EMV chip, then it uses NFC (near field communication), not traditional RFID. NFC has a range of about an inch, so if someone is going to read your card number from your pocket, then they have to be awkwardly close to you. It's still easier for someone to steal your credit card number from an electromagnetic frequency that virtually every credit card broadcasts--visible light.

Re: Anyone recently get asked by Cap One about upgrading to contactless EMV?

Anonymous — Sat, 03 Sep 2016 11:05:57 GMT

Which can be done in any city that has, say, a subway system... Face it, as long as people have money, there will be those who'll try to take it from you, hook or crook.

Re: Anyone recently get asked by Cap One about upgrading to contactless EMV?

barthooper — Sat, 03 Sep 2016 12:48:48 GMT

@Anonymous wrote:
Contactless cards are the RFID cards, which are not a good idea unless you have the signal blocking wallet. Also, how lazy can a person be to think "oh, swiping or inserting my card is such a chore!!!" Psssh...

For me, it's not about being lazy, but experiencing the new technology. It doesn't provide an advantage speed wise over Android Pay most likely but that isn't important to me. Tech for the sake of tech.

I'm also not worried about the potential for theft because I live in a fairly rural area and if it does happen I/Capital One will notice the fraudulent transactions quickly and send me a new card.

Re: Anyone recently get asked by Cap One about upgrading to contactless EMV?

Anonymous — Sat, 03 Sep 2016 13:29:06 GMT

Oh, I'm just waiting for that skin embedded microchip to be introduced, magically waving one's hand at the cashier... Baaaahahaha!!! "Shoo, peasant"... LoL!!!

Re: Anyone recently get asked by Cap One about upgrading to contactless EMV?

Anonymous — Sat, 03 Sep 2016 17:14:03 GMT

@Anonymous wrote:
@Anonymous wrote:
Contactless cards are the RFID cards, which are not a good idea unless you have the signal blocking wallet. Also, how lazy can a person be to think "oh, swiping or inserting my card is such a chore!!!" Psssh...
If your card has an EMV chip, then it uses NFC (near field communication), not traditional RFID. NFC has a range of about an inch, so if someone is going to read your card number from your pocket, then they have to be awkwardly close to you. It's still easier for someone to steal your credit card number from an electromagnetic frequency that virtually every credit card broadcasts--visible light.

Worst-case scenario, you're not liable for fraud regardless of how the card's used. I'm not worried.

IMO, I actually prefer the contactless cards over Apple Pay. A lot of places have poorly trained staff who won't turn on the terminal unless they see a physical card in your hand, so it ends up being less awkward to tap my PRG than to try to use my phone to pay. Though it has gotten better recently and most places seem to know what's up now if you have a phone in your hand. (Not so much with the watch though, but I imagine barely anyone has one.)

Re: Anyone recently get asked by Cap One about upgrading to contactless EMV?

NRB525 — Sat, 03 Sep 2016 17:52:31 GMT

@Anonymous wrote:
@Anonymous wrote:
Contactless cards are the RFID cards, which are not a good idea unless you have the signal blocking wallet. Also, how lazy can a person be to think "oh, swiping or inserting my card is such a chore!!!" Psssh...
If your card has an EMV chip, then it uses NFC (near field communication), not traditional RFID. NFC has a range of about an inch, so if someone is going to read your card number from your pocket, then they have to be awkwardly close to you. It's still easier for someone to steal your credit card number from an electromagnetic frequency that virtually every credit card broadcasts--visible light.

If your card does not have an EMV chip, just a mag stripe, it is almost certainly not Contactless.

If your card has an EMV chip, and is issued in the US, it is most likely not a Contactless card. Getting to Contactless (which is yes NFC) is quite rare in the US.

The other security point about both EMV and Contactless is that they have to generate a unique transaction ID with the card reader / contactless reader. So while someone might be able to skim your contactless card to get the card number, I believe there is other electronics directly in the EMV chip which are used, when making a transaction, to provide the unique transaction ID for that one transaction. That transaction ID then moves through the communication systems to the bank, to keep that secure. Once the unique transaction ID is spent, it's not useful for anything else.

With the mag-stripe, you just need to replicate that on a stiff card to "swipe" the card information. EMV chips and Contactless / PayPass cards, not so easy to do.

Re: Anyone recently get asked by Cap One about upgrading to contactless EMV?

MASTERNC — Tue, 06 Sep 2016 13:17:29 GMT

Just got an e-mail invite. Works with the image card as well. Ordered mine.

Re: Anyone recently get asked by Cap One about upgrading to contactless EMV?

barthooper — Tue, 06 Sep 2016 13:30:42 GMT

@MASTERNC wrote:
Just got an e-mail invite. Works with the image card as well. Ordered mine.

Neat. Looks like it's a slow rollout. I remain hopeful that I'll get an offer soon. Currently my QS only gets used where Discover isn't accepted because I'm in double cashback, but hopefully I'll be offered it before QS becomes my daily driver again.

Re: Anyone recently get asked by Cap One about upgrading to contactless EMV?

woodyman100 — Wed, 14 Sep 2016 01:15:50 GMT

Just received the card finally. Looks exactly like the old one except for the contactless symbol on the upper right.

Re: Anyone recently get asked by Cap One about upgrading to contactless EMV?

barthooper — Wed, 14 Sep 2016 12:16:58 GMT

@woodyman100 wrote:
Just received the card finally. Looks exactly like the old one except for the contactless symbol on the upper right.

Nice. I was wondering if it looked any different. Looks like this was a fairly limited offer? Maybe they won't expand it to everyone unless they find enough of the contactless cards are being used. This was probably completely random because my friend doesn't even use his Quicksilver.

Re: Anyone recently get asked by Cap One about upgrading to contactless EMV?

Anonymous — Thu, 15 Sep 2016 00:53:39 GMT

@woodyman100 wrote:
Just received the card finally. Looks exactly like the old one except for the contactless symbol on the upper right.

Have you tried using it yet? Does it work at all the same places that Android/Apple Pay do? (I've heard that the physical cards might not.)

Re: Anyone recently get asked by Cap One about upgrading to contactless EMV?

Anonymous — Thu, 15 Sep 2016 00:54:27 GMT

@barthooper wrote:
@woodyman100 wrote:
Just received the card finally. Looks exactly like the old one except for the contactless symbol on the upper right.
Nice. I was wondering if it looked any different. Looks like this was a fairly limited offer? Maybe they won't expand it to everyone unless they find enough of the contactless cards are being used. This was probably completely random because my friend doesn't even use his Quicksilver.

Totally possible. Maybe they saw poor numbers for Apple Pay and want to see if a physical card will work better?

Re: Anyone recently get asked by Cap One about upgrading to contactless EMV?

Anonymous — Thu, 29 Sep 2016 04:47:37 GMT

Just ordered a new QS card for my girl a few days ago. Will it have contactless? It's a shame the big banks don't offer this feature in the U.S anymore, they really should roll it out and tell the nut job consumers who are afraid of it to get over their virtual world where contactless cards aren't tokenized anymore.

Re: Anyone recently get asked by Cap One about upgrading to contactless EMV?

Anonymous — Thu, 29 Sep 2016 05:33:55 GMT

@Anonymous wrote:
Just ordered a new QS card for my girl a few days ago. Will it have contactless? It's a shame the big banks don't offer this feature in the U.S anymore, they really should roll it out and tell the nut job consumers who are afraid of it to get over their virtual world where contactless cards aren't tokenized anymore.

Probably not. I think you have to have gotten the email in order to get it.