topic Re: USAA Offering EMV Chip and PIN in Credit Cards

USAA Offering EMV Chip and PIN [Updated with summary]

kekrre — Fri, 01 Feb 2013 23:30:07 GMT

I just got off the phone with USAA. They're converting my USAA Platinum MasterCard to a Chip and PIN card (actual Chip and PIN, mind you, with an... actual PIN). I didn't really get any details on whether it was available for Visa or Amex cards (likely not?), but I was told

a) it will only come in the black design

b) it will have a PIN

c) I get one PIN for my account, including AUs/additional cards

d) I can't change the PIN myself

e) card number/rates/rewards will not change

The CSR was not aware of Chip/Sig (she confused it with Visa Signature, which she said "we're beginning to offer to qualified accounts"). I commented that perhaps it was because a large part of their customer base is deployed in Europe and needs maximum compatibility - she agreed this makes sense.

Update: Summary of conflicting information

Looks like we have confirmed:

• Chip-and-PIN with magstripe (from PDF)
• Available on request only - existing users are not being automatically upgraded at this time
• No changes to product (account number, rewards, rates, etc.) (from PDF)
• PIN is not user changeable - not know whether this is because there is no infrastructure in the US to do it or if it is hard coded to the chip
• PIN is the same for all cards issued to your account (from my CSR conversation)
• PIN can be used for PIN-pad transactions and as cash advance ATM PIN (from PDF)

Semi-confirmed:

• Looks like Mastercard only - Amex may be in a few months, nobody has commented about Visa availability

•-• Some members were promised an Amex EMV card - we'll see what happens
• I was told that if I needed to change the PIN, I would have to get a new card

Unknown:

• Valid for all Mastercards, just Rewards/Cash/Rate Advantage or just Rewards/Cash back products
• Preference for Chip/Sig over Chip/PIN purchases when making purchases
• Availability for partial versus full members

Re: USAA Offering EMV Chip and PIN

greeneman21 — Thu, 31 Jan 2013 22:58:46 GMT

Good to know, did the rep express when this would take effect?

Is it only good for MC? or will Visa receive the same treatment?

Re: USAA Offering EMV Chip and PIN

kekrre — Thu, 31 Jan 2013 23:30:14 GMT

@greeneman21 wrote:
Good to know, did the rep express when this would take effect?
Is it only good for MC? or will Visa receive the same treatment?

I didn't think to ask about Visa/Amex, but it wouldn't hurt to ask. I also didn't ask if it was available for debit cards either (probably not).

I was told it would take 10 days to get my card and PIN packet and that they'd been offering it "for a few weeks". They haven't advertised it at all that I'm aware and I only heard about it through somebody on another forum. The rep immediately knew what I was asking for.

Re: USAA Offering EMV Chip and PIN

greeneman21 — Thu, 31 Jan 2013 23:49:56 GMT

Hmmm, ok I'll call USAA and find out about the others as well and will post.

Re: USAA Offering EMV Chip and PIN

E150GT — Fri, 01 Feb 2013 00:02:05 GMT

what is a chip and pin?

Re: USAA Offering EMV Chip and PIN

manyquestions — Fri, 01 Feb 2013 00:31:06 GMT

@E150GT wrote:
what is a chip and pin?

http://en.wikipedia.org/wiki/EMV

Re: USAA Offering EMV Chip and PIN

Revelate — Fri, 01 Feb 2013 01:29:05 GMT

Most excellent news in my opinion I didn't get one with the recent Platinum MC I opened, hopefully can switch in the semi-near future.

Re: USAA Offering EMV Chip and PIN

Cdnewmanpac — Fri, 01 Feb 2013 01:33:16 GMT

Just FYI, this is chip and pin only, no magnetic strip. So it will not work in much of us. You get this IN ADDITION to the mag strip card. Kind of a pain, but will work until chase gets off their butts and issues csp with emv.

Re: USAA Offering EMV Chip and PIN

Revelate — Fri, 01 Feb 2013 01:38:07 GMT

@Cdnewmanpac wrote:
Just FYI, this is chip and pin only, no magnetic strip. So it will not work in much of us. You get this IN ADDITION to the mag strip card. Kind of a pain, but will work until chase gets off their butts and issues csp with emv.

Weird, and annoying. Oh well it was the safety net in case I get sent off to Europe which I suppose it'll still do just fine.

Re: USAA Offering EMV Chip and PIN

Anonymous — Fri, 01 Feb 2013 01:44:44 GMT

Like I said on previous post Chip and Pin is a UK thing if your sent to Italy or Germany as a service member your exisisting credit cards are the norm.

Re: USAA Offering EMV Chip and PIN

kekrre — Fri, 01 Feb 2013 01:51:29 GMT

@Cdnewmanpac wrote:
Just FYI, this is chip and pin only, no magnetic strip. So it will not work in much of us. You get this IN ADDITION to the mag strip card. Kind of a pain, but will work until chase gets off their butts and issues csp with emv.

Oh, I forgot to mention, that's not what I was told. [edit: I mean it never occurred to me that this was an option because of my conversation with the CSR]

I was specifically told I would get Chip+PIN+magstripe, and this is corroborated by the confirmation email I received which links to this:

http://content.usaa.com/mcontent/static_assets/om/Media/docs/126885.pdf

Re: USAA Offering EMV Chip and PIN

Anonymous — Fri, 01 Feb 2013 01:52:40 GMT

@kekrre wrote:
@Cdnewmanpac wrote:
Just FYI, this is chip and pin only, no magnetic strip. So it will not work in much of us. You get this IN ADDITION to the mag strip card. Kind of a pain, but will work until chase gets off their butts and issues csp with emv.
Oh, I forgot to mention, that's not what I was told. [edit: I mean it never occurred to me that this was an option because of my conversation with the CSR]

I was specifically told I would get Chip+PIN+magstripe, and this is corroborated by the confirmation email I received which links to this:

http://content.usaa.com/mcontent/static_assets/om/Media/docs/126885.pdf

that makes a lot more ssense

Re: USAA Offering EMV Chip and PIN

Anonymous — Fri, 01 Feb 2013 02:07:16 GMT

Just got off the phone with them, just to let you guys know that they are available for all there cards visa, mastercard and Amex.

Re: USAA Offering EMV Chip and PIN

Anonymous — Fri, 01 Feb 2013 02:16:45 GMT

@Anonymous wrote:
Like I said on previous post Chip and Pin is a UK thing if your sent to Italy or Germany as a service member your exisisting credit cards are the norm.

By the way, Dodge, you know I invented the whole chip & PIN technology, right?

Signed,

Re: USAA Offering EMV Chip and PIN

Anonymous — Fri, 01 Feb 2013 02:17:39 GMT

What about limited members with the military affiliate mastercard? Can it be converted to emv too?

Re: USAA Offering EMV Chip and PIN

Anonymous — Fri, 01 Feb 2013 02:20:04 GMT

@Anonymous wrote:
@Anonymous wrote:
Like I said on previous post Chip and Pin is a UK thing if your sent to Italy or Germany as a service member your exisisting credit cards are the norm.
By the way, Dodge, you know I invented the whole chip & PIN technology, right?

Signed,

GP

I wouldnt expect anything else from a master like you Gomer

Re: USAA Offering EMV Chip and PIN

Cdnewmanpac — Fri, 01 Feb 2013 02:41:24 GMT

odd, because the guy read a script stating that the new card was not a replacement and that I would need to retain my current card to use with magnetic readers. he made me acknowledge that before submitting the request. I have the world mc. no idea why the guy would read a script with false info. I guess we will see when the card arrives

Re: USAA Offering EMV Chip and PIN

Anonymous — Fri, 01 Feb 2013 05:20:38 GMT

Please keep us informed

Re: USAA Offering EMV Chip and PIN

Ron1 — Fri, 01 Feb 2013 14:06:13 GMT

I just got off the phone for requesting new Chip and PIN card. Here is some info:

It is a new thing even the CSR haven't seen one. The Chip and PIN card comes in one design. It is the Black card.You cannot keep the design you currently have. The PIN and card will come separately within 10 days. You will memorize the PIN and they won't able to change it. The Chip and PIN only available to Mastercard only (NOT Amex and Visa). It doesn't change the current term of the card and rewards program of the card. You need to destroy your old card when your receive the new card.

It took only 5 to 10 mins. to change it.

Ron.

Re: USAA Offering EMV Chip and PIN

Anonymous — Fri, 01 Feb 2013 14:29:57 GMT

You sure about the Amex and Visa part because they confirmed that I would be receiving a chip and pin for my Amex