topic Re: Chip and Pin - USAA in Credit Cards

Chip and Pin - USAA

Anonymous — Mon, 06 Oct 2014 15:05:56 GMT

FYI for international travellers out there...USAA will now outfit any Mastercard with Chip and Pin Technology upon request. The representative said their debit cards will be outfitted with them starting in the spring and he believes their AMEX and Visa cards will follow suit as well. They are sending me a chip and pin version of my existing Mastercard presently. Note I am not in the military (my father was) so this is available to anyone who wants a card that will work overseas.

Re: Chip and Pin - USAA

MissMoni223 — Mon, 06 Oct 2014 17:33:36 GMT

Thanks for sharing!!!

Re: Chip and Pin - USAA

yfan — Mon, 06 Oct 2014 17:48:46 GMT

USAA credit cards do have an FTF - though at 1%, it's a lot less than the standard.

Re: Chip and Pin - USAA

alvon123 — Mon, 06 Oct 2014 18:06:18 GMT

thanks for the info

Re: Chip and Pin - USAA

haiti222 — Mon, 06 Oct 2014 20:34:53 GMT

Also, since April, USAA has been issuing Chip and Signature priority cards, not Chip and Pin as they did previously. See flyertalk.com for all the details. UNFCU and Diner's Club are the only true Chip and PIN cards being issued in the US at this time. This has a bearing on certain unattended kiosks, toll roads, automatic gas pumps, and such in Europe.

Re: Chip and Pin - USAA

Anonymous — Mon, 06 Oct 2014 21:09:48 GMT

Thanks for the updated information!

Re: Chip and Pin - USAA

Anonymous — Mon, 06 Oct 2014 21:32:20 GMT

That's not what the CSR told me - they said it is now true chip and pin cards. I guess they needed to make it so for military folks.

Re: Chip and Pin - USAA

Anonymous — Mon, 06 Oct 2014 21:39:21 GMT

@Anonymous wrote:
That's not what the CSR told me - they said it is now true chip and pin cards. I guess they needed to make it so for military folks.

I think it depends on what "true chip&pin" means! So long as they have a PIN, they can work at unattended places and could therefore be called "true", but the pain is signature priority

Re: Chip and Pin - USAA

Anonymous — Mon, 06 Oct 2014 21:57:01 GMT

Meaning that, given a choice, they make you sign? That may be right; but I asked the guy specifically if the card would work at the kiosks where you have to have a pin, and he said yes. As long as it will work everywhere, I won't mind giving a sig if I have to do so.

Re: Chip and Pin - USAA

Anonymous — Mon, 06 Oct 2014 23:27:50 GMT

@Anonymous wrote:
Meaning that, given a choice, they make you sign? That may be right; but I asked the guy specifically if the card would work at the kiosks where you have to have a pin, and he said yes. As long as it will work everywhere, I won't mind giving a sig if I have to do so.

Right, unless PIN is mandated (because the POS is unattended, or just anyway) sig priority cards will produce a signature slip. That's not a hassle in itself of course, it's just that it is very unusual for many sales people, and they may not know what to do, slowing up the line. In my first experience of this, at a supermarket in suburban North London (Whetstone Waitrose to be precise!) none of the staff had a pen, and they had to hunt around for one so that I could sign (no screen signing). Next time they gave me both copies of the signature slip to keep. When 99.99% of customers are using chip&pin, anything else slows things down.

I guess places that see lots of Americans will be more aware, but it is at least a little annoying elsewhere, and I would much rather enter a PIN. Just like we do at ATMs or debit cards.....

Re: Chip and Pin - USAA

Anonymous — Tue, 07 Oct 2014 01:16:31 GMT

Well, I will be the ugly American on my trip to the UK in the Spring then. I can live with that. Thanks for the information though. Maybe befor I go my socres will improve to get a Diner's Club. Some baddies are coming off soon.

Re: Chip and Pin - USAA

Jarrodpd — Tue, 07 Oct 2014 04:40:47 GMT

@haiti222 wrote:
Also, since April, USAA has been issuing Chip and Signature priority cards, not Chip and Pin as they did previously. See flyertalk.com for all the details. UNFCU and Diner's Club are the only true Chip and PIN cards being issued in the US at this time. This has a bearing on certain unattended kiosks, toll roads, automatic gas pumps, and such in Europe.

Even if it is chip and sig would you still get a pin? I have a secured card from last year that is chip and pin(used it multiple times throughout Ireland and the UK) and then I got a unsecured card this year and it also has a pin(I got a lettet in the mail with my pin) but when I tried using it in Mexico it made the computer print out a reciept to sign.