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@K-in-Boston wrote:
I have one on my CSR. Definitely entered it many times over the past year or so. Maybe because mine began as a CSP?
At any rate, you should be able to request one here:
https://www.chase.com/personal/credit-cards/card-resource-center/passwordpin
Thanks. I think they would say that is the cash advance PIN, but I remember on other cards that sometimes worked (as did 0000!)
@Anonymous wrote:
@K-in-Boston wrote:
I have one on my CSR. Definitely entered it many times over the past year or so. Maybe because mine began as a CSP?
At any rate, you should be able to request one here:
https://www.chase.com/personal/credit-cards/card-resource-center/passwordpinThanks. I think they would say that is the cash advance PIN, but I remember on other cards that sometimes worked (as did 0000!)
It's worth a try - if it doesn't work, just go back to signing stuff
It can even be a PITA here in the States. I know of a couple retailers locally that have the choice betwen US Debit and Visa Debit, doesn't help that even the cashiers didn't know which is which.
@coreysw12 wrote:
@Anonymous wrote:So that's full service! If you can't use the card abroad, you can use local currency instead.... (And that actually works too even in the US!)
Hahaha
Even in the US, I hardly ever have "local currency" on me
Truth be told, this is an example of why I always carry a variety of cards from a variety of banks when I travel abroad. Too many times, I've been in the awkward situation where my card is getting declined for some unknown reason, and I need to pay for something right then, and don't have cash.
Crossing a highway toll in France one time, they wouldn't let me through because my card was declining and I had no cash. Eventually convinced the guy (who didn't speak english) to let me pass through so I didn't have to hold up traffic any longer.
Paying at a restaurant by myself in Germany, card was declined for no apparent reason and I had to leave my cell phone behind as collateral while I wandered around town looking for an ATM (and praying that my card work for that, which thankfully it did.)
Sitting in a taxi at my destination after a 1 hour ride to the airport, my card was getting declined for no reason. Had to convince the driver to take me to an ATM, where again I had to pray that my card would work in that.
It's unavoidable - when you're travelling abroad, cards get declined, often for no apparent reason. Sometime's the bank's fault, sometimes the processor's fault, sometimes the card reader's fault. And sometimes nobody speaks english and sometimes your phone and internet coverage are too poor to resolve the issue on your own. I've now (finally) learned to have backup plans, and backup plans for those backup plans. I have credit cards from 3 banks, both Visa and MC, a debit/atm card, and these days I even try to usually pull out $100-worth of local currency upon arrival in case I run into a situation where plastic just ain't working (or isn't even accepted). It took me entirely way too long to learn that lesson.
I think it's nuts for people to travel abroad and plan to use just one card with no real contingency plans for when it fails to work.
I was on a two week business trip to São Paulo in 2014. Got $500 worth of Reals prior to the trip, in anticipation of some sightseeing. A colleague and I took a cab from the main city back to the hotel in one of the suburbs, a good 30 minute one way drive late in the evening, so the driver knew he was unlikely to get a fare back into the city. In spite of the fare on the clock he made it clear in Portuguese he wanted more to compensate the drive back, and wasn’t interested in credit cards from an American. So I paid him, $80 or $90 equivalent if I recall, and was happy to do so to walk calmly away from the situation.
Later that year I got my Diners Club card, and ever since I make sure to use it regularly to have the Chip+PIN available.
@digitek wrote:
I have the SDFCU Premium Cash Back + card with Chip+PIN priority.
You can't setup AutoPay from an external account which is kind of annoying I admit. Other than that the web and mobile banking are OK.
Just a minor note. I have the "old" SDFCU Premium. I have set up AutoPay from an external account for it. You can't do it online, it involves filling out a form and sending it to them (which seems to be the way for a lot of SDFCU interactions), but if I could do it with my card I think you probably can also with a call to them.
@K-in-Boston wrote:
@Revelate wrote:
@Anonymous wrote:
If needed, is one able to use a debit card at unmanned kiosks overseas?
I thought chip and pin would provide additional security here in the US, but it does not appear so.
Thank you.I would question the desire to swipe a debit card anywhere TBH; if you're going to be in Europe get a C+P card imo, but if not, I wouldn't bother. They don't really serve any purpose in the US, which is why there's been virtually no implementation and we can still count the C+P issuers on one hand.
+1 Also, I forgot to mention that I don't believe I've seen foreign transaction fees waived on any Visa/MasterCard debit cards. (Although it would not surprise me if some credit unions waived those fees.)
Edit: beaten by a lot!
Schwab, and now as Corey mentioned Sapphire checking.
@Anonymous wrote:It can even be a PITA here in the States. I know of a couple retailers locally that have the choice betwen US Debit and Visa Debit, doesn't help that even the cashiers didn't know which is which.
In my experience, cashier at a retailer/restaurant is an entry-level position: the newest minimum-wage employee. So I try to be nice to the cashier, because I know he/she/it is probably the least-knowledgable person present.
Oh I agree, i didn't verbally abuse the person for not knowing. lol
I was merely stating that there are struggles all around, due to the lack of training etc.
Maybe they all should just go to mobile/app pay, I mean at least the younger genration has the mobile thing figure out. And that seems like the future anyways. So for the States to rollout something Europe has been using for years, only to be outdated in possibly 5 years?
For a Country that is so-called so advanced, we sure are behind the times on a lot of things compare to some of those supposed 3rd World Countries. At least in some things, I'm aware everyone has their own faults.
I'm pretty late to the conversation but as someone who has a few PIN preferring cards (Diners Club, UNFCU, Andrews FCU, Capital One 360 debit card, Citibank corporate card), there is a chance you will have issues in the US due to the PIN at some point. Granted, this very much depends on the issuer and the merchant.
For instance, I've found that BMO Harris (Diners Club) will always decline if the terminal has PIN enabled and it's skipped. This has caused problems at restaurants and other merchants that don't use customer facing equipment and neglected to have their payment processors disable PIN support. At best, the employee just has me go with them to the terminal to enter it, but there have been a few instances where they refused to allow me to enter one and asked for alternate payment.
As for the other consumer cards I've noted, I've always have had transactions approved when the PIN was bypassed (even at merchants that don't support debit). I'm not sure if there's any circumstance where they'll actually decline such a transaction. And who knows, perhaps SDFCU is similar in that regard. I can't comment much on the Citibank card because it's not used much except for business travel, where a lot of the typical domestic business travel expenses (hotels, rental cars, etc.) are still swipe only or run as card not present.
That all said, considering how many merchants use stuff like Square (with no hardware available to allow PIN in the first place), there might not be much value from a security perspective in getting a PIN preferring card in the first place. Not to mention that for overseas use, it's very possible to just use Apple Pay or similar for everything depending on the country. In fact, it (or tapping a card) likely going to be the "standard" way to pay, meaning that you may annoy the people behind you by inserting even if your card is PIN preferring.
BTW, on the subject of PIN changes, I wrote a post elsewhere on why that is fairly problematic in the US (or will be soon, anyway). Depending on the card, I would expect that any PIN on a card won't really be changeable unless you go to an ATM or pay close attention to which store you visit for the transaction that pushes the new PIN.