Cards with Chip and Pin vs Chip and Signature

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
I got the card last week, but I haven't tried it. They did mail a separate "pin" number with it and it states "you cannot change it or ask for a specific pin number". I thought that was strange as every other card I've ever gotten would allow me to change from the pin they sent me to my own personal pin.
I'll have to stop at Walmart tomorrow and try it. I didn't know anything about these "chip & pin/signature" cards until I tried to use my new PRG at Walmart a few weeks ago. I tried to pay by swiping it several times to no avail. I thought they didn't take Amex so I broke out my QS and tried swiping again. Same thing. I was embarrassed thinking I must have a security freeze or something. But than the cashier came up and showed me how to use it. Boy did I feel like a "dunce".
Anyway, now I have a much better understanding of this whole new chip & pin/signature deal. I'll go and try my SDFCU card at Walmart tomorrow. So if it asks for a pin, than this is a true "chip & pin". If it requires a signature, than it's just the standard "chip & signature w/pin backup", but not a true "chip & pin". Is that correct ???

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Yup, chip & pin won't ask for your signature at all, always gotta put a pin numbers. But if they mailed you preset pin, it sounds like chip & pin priority card. 

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Not necessarily. They did that for one of my cards but it was still chip and signature.

[Anonymous]

I forgot to mention, Wells Fargo also does online PIN. However, if you want a true offline PIN card, you'll have to get a UNFCU card. 

On a sidenote, Wells Fargo personal wouldn't let me customize my PIN but Wells Fargo Business let me set my own PIN. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:
I got the card last week, but I haven't tried it. They did mail a separate "pin" number with it and it states "you cannot change it or ask for a specific pin number". I thought that was strange as every other card I've ever gotten would allow me to change from the pin they sent me to my own personal pin.
I'll have to stop at Walmart tomorrow and try it. I didn't know anything about these "chip & pin/signature" cards until I tried to use my new PRG at Walmart a few weeks ago. I tried to pay by swiping it several times to no avail. I thought they didn't take Amex so I broke out my QS and tried swiping again. Same thing. I was embarrassed thinking I must have a security freeze or something. But than the cashier came up and showed me how to use it. Boy did I feel like a "dunce".
Anyway, now I have a much better understanding of this whole new chip & pin/signature deal. I'll go and try my SDFCU card at Walmart tomorrow. So if it asks for a pin, than this is a true "chip & pin". If it requires a signature, than it's just the standard "chip & signature w/pin backup", but not a true "chip & pin". Is that correct ???

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Yup, chip & pin won't ask for your signature at all, always gotta put a pin numbers. But if they mailed you preset pin, it sounds like chip & pin priority card. 

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Not necessarily. They did that for one of my cards but it was still chip and signature.

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Exactly.  I still think the Diners Club,  UNFCU and now the Harvard card are the only ones that currently exist.

[Anonymous]

isnt it true that if you do travel abroad w/ a chip card, you have to do one swipe overseas before it starts accepting chip+pin?

[Anonymous]

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@Anonymous wrote:

isnt it true that if you do travel abroad w/ a chip card, you have to do one swipe overseas before it starts accepting chip+pin?

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With "real" chip and cards, no.  The whole point is that in various areas it is practically impossible to swipe, so making this a precondition of using PIN would be bad.   I think Barclays for example, requires use at an EMV terminal IN the US first to activate the PIN, but not sure.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

isnt it true that if you do travel abroad w/ a chip card, you have to do one swipe overseas before it starts accepting chip+pin?

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With "real" chip and cards, no.  The whole point is that in various areas it is practically impossible to swipe, so making this a precondition of using PIN would be bad.   I think Barclays for example, requires use at an EMV terminal IN the US first to activate the PIN, but not sure.

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It just needs to be somewhere that's "attended" (e.g. not a ticket machine or kiosk). Probably more convenient to use the chip in the US first.

[AzaleaB]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

isnt it true that if you do travel abroad w/ a chip card, you have to do one swipe overseas before it starts accepting chip+pin?

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With "real" chip and cards, no.  The whole point is that in various areas it is practically impossible to swipe, so making this a precondition of using PIN would be bad.   I think Barclays for example, requires use at an EMV terminal IN the US first to activate the PIN, but not sure.

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It just needs to be somewhere that's "attended" (e.g. not a ticket machine or kiosk). Probably more convenient to use the chip in the US first.

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It doesn't have to be the US. I did this with my Arrival+ in Paris.

[Anonymous]

Just got back from 2 weeks in the UK. I had obtained a SDFCU card specifically because it stated it was chip and PIn.I was not staying in a high tourist area.

My experience is as follows it always acted as a Chip and Signature card when I went to Store, I did get a few confused looks as it required a signature but seems that the store clerks knew what to do. I used a self service lane at a supermarket and it asked me to sign my name on a screen, I then had to wait for an attendant to come over and check my signature on my card, she did have to call a manager as she had never experienced a signature required before. I then used a ticket machine at a train station. The ticket office was closed so the machine was the only way to but tickets, I inserted card it never asked for a pin and just dispensed tickets. I never was in a situation where it asked for a PIN.

I also went to London for a couple of days and the tube now accepts Apple Pay since the UK is now moving to contactless cards. I do have Apple Pay here in the US, however it would not accept my phone and the message was Card is invalid. The attendant told me because I have US credit cards so will never work.

This confirms other posts here that the priority is Chip and Signature first.,

[Anonymous]

ok so is the pin number for chipped cards the same as the ATM pin?

[grizindabox]

In every case currently, when using a PIN with a chip and siggy card it will be treated as a cash advance.