Discover it EMV question

[Anonymous]

About a month ago i called Discover to upgrade my Discover it card to the EVM version. CSR told me it would not be a good idea since a lot terminals are not taking it and it would take a long time to get it (about 30 days).. anyone out there already have this version and using it fine? 

Thanks.. might call tonight and just order it once since for all. specially since im paying it all down tomorrow morning! 

[Anonymous]

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@Anonymous wrote:

About a month ago i called Discover to upgrade my Discover it card to the EVM version. CSR told me it would not be a good idea since a lot terminals are not taking it and it would take a long time to get it (about 30 days).. anyone out there already have this version and using it fine? 

Thanks.. might call tonight and just order it once since for all. specially since im paying it all down tomorrow morning! 

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Requested it earlier this month and received it in a few days - no delay for me. Not that there's many places to use it though.

[Skye12329]

I dont have it. But as for terminals. Not sure what that is. But for me personally only a few businesses have emv chip technology when checking out currently. It wouldn't make a difference but you did get a emv chip and used it regularly. Not sure why a csr would deny the request and frown upon it.

[Anonymous]

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@Skye12329 wrote:
I dont have it. But as for terminals. Not sure what that is. But for me personally only a few businesses have emv chip technology when checking out currently. It wouldn't make a difference but you did get a emv chip and used it regularly. Not sure why a csr would deny the request and frown upon it.

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Very weird. i will call tonight after work and get it. grrr. either way i wont be using it much. 

[Anonymous]

Nice, looks like i got a grumpy CSR will call today! thanks for the update!

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@Anonymous wrote:

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@Anonymous wrote:

About a month ago i called Discover to upgrade my Discover it card to the EVM version. CSR told me it would not be a good idea since a lot terminals are not taking it and it would take a long time to get it (about 30 days).. anyone out there already have this version and using it fine? 

Thanks.. might call tonight and just order it once since for all. specially since im paying it all down tomorrow morning! 

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Requested it earlier this month and received it in a few days - no delay for me. Not that there's many places to use it though.

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[ojefferyo]

Mine works fine, haven't used the EMV chip part of it yet though

[Anonymous]

i bet they look weird.

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@ojefferyo wrote:

Mine works fine, haven't used the EMV chip part of it yet though

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[yfan]

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@Anonymous wrote:

About a month ago i called Discover to upgrade my Discover it card to the EVM version. CSR told me it would not be a good idea since a lot terminals are not taking it and it would take a long time to get it (about 30 days).. anyone out there already have this version and using it fine?

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I think I know what the CSR meant. Last month, I parked in a convention center parking garage, and when I tried to pay with my Discover (it has EMV), the machine rejected it as "illegal card". Even though the card also has a magnetic stripe, it seems that particular machine at least wouldn't read it as long as the EMV chip was present. I ended up paying with my Amex, which has no Chip, which went through just fine. This is potentially an issue, yes. But it's eventually going to fix itself.

[Anonymous]

Thats what the CSR could have meant! thanks as well for the insight !

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@yfan wrote:

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@Anonymous wrote:

About a month ago i called Discover to upgrade my Discover it card to the EVM version. CSR told me it would not be a good idea since a lot terminals are not taking it and it would take a long time to get it (about 30 days).. anyone out there already have this version and using it fine?

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I think I know what the CSR meant. Last month, I parked in a convention center parking garage, and when I tried to pay with my Discover (it has EMV), the machine rejected it as "illegal card". Even though the card also has a magnetic stripe, it seems that particular machine at least wouldn't read it as long as the EMV chip was present. I ended up paying with my Amex, which has no Chip, which went through just fine. This is potentially an issue, yes. But it's eventually going to fix itself.

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[kdm31091]

I don't see the point in requesting an upgrade early unless you are going to be travelling internationally. As stated, the presence of an EMV chip is really not useful at this point in the US (later in the year it will be), since almost nowhere actually has the functionality turned on -- you still just slide your card regardless.

For the time being, an EMV chip in the US is not something I'd worry about rushing to get. It can cause problems with acceptance if the card happens to have an EMV chip (like yfan stated). There's no real upside at this point. I have yet to see any place actually accepting EMV chip cards. So, there's no harm in just waiting, IMO. Discover and other issuers are surely going to send you the chipped version in time for the liability shift which is still 8 months from now.