Question about Chip and Pin cards

[Lyythine]

Forgot to add:

Of the cards listed in your sig, I would use the following abroad

1)Amex Plat

2) USAA

3) CSP

Reasons: I have never had my Amex declined abroad.  USAA will not block a transaction abroad.  IF there is a security issue, they will call your cell immediately and if you answer and approve the previous transaction, card will continue to work with no issue.  Lastly, Chase was my saving grace years and years ago when my wallet was lost. They overnighted me a card to the middle of no where and talked with a local hotel to guarantee the room and somehow even got them to give me approx $100 cash until I got my card.

I would not use:

NFCU

The only reason I would not suggest NFCU is because if something goes wrong, they arent exaclty the most understanding and they tend not to work quickly when issues arise.

[Anonymous]

Appreciate the suggestions. Didn't know all of that.

[nyancat]

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@Lyythine wrote:

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@Anonymous wrote:

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@Lyythine wrote:

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@Anonymous wrote:

AFAIK I have 4 Chip and PIN cards; NFCU, NASA, PenFed and Diners Club. Of the 4 which one(s) are the one with PIN priority over signature (not sure of the exact terminology here)? And how do you tell which it is?

And does any any of that matter right now in the US?  I understand that it does overseas.

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Currently, none of it matters in the US, unless it is a specific PIN terminal, which I have only seen once in the past year (in Dallas).  As for oversees, my experience is that it is PIN over signature on automated machines (subway/parking, etc and either at retail locations.

The only card I have that you have listed is the NFCU card, however, I have not used it abroad.  I am speaking generally based on the other cards I have.

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Thanks!  One day I'll understand all of this.  At least I hope.

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One day, you shouldnt have to.  Eventually they will all be Chip & Pin cards (or at least thats the hope).  Currently, the Chip and Signature is a stop-gap measure to meet federal requirements...

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There are no federal requirements at all. Chip and signature is to address 90% of the current fraud problem, without scaring customers off using their cards. Many big banks are convinced Americans would stop using their cards if they had PIN numbers. Sad...

[bigbang91]

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@Lyythine wrote:

Forgot to add:

Of the cards listed in your sig, I would use the following abroad

1)Amex Plat

2) USAA

3) CSP

Reasons: I have never had my Amex declined abroad.  USAA will not block a transaction abroad.  IF there is a security issue, they will call your cell immediately and if you answer and approve the previous transaction, card will continue to work with no issue.  Lastly, Chase was my saving grace years and years ago when my wallet was lost. They overnighted me a card to the middle of no where and talked with a local hotel to guarantee the room and somehow even got them to give me approx $100 cash until I got my card.

I would not use:

NFCU

The only reason I would not suggest NFCU is because if something goes wrong, they arent exaclty the most understanding and they tend not to work quickly when issues arise.

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Most places i visited in asia dont accept amex, although once they did send me the card all the way to Japan free of charge in 3 days. 

[bigbang91]

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@Anonymous wrote:

Appreciate the suggestions. Didn't know all of that.

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Did your ritz card get chipped? My sister's card has the chip on it. 

[Anonymous]

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@bigbang91 wrote:

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@Anonymous wrote:

Appreciate the suggestions. Didn't know all of that.

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Did your ritz card get chipped? My sister's card has the chip on it. 

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Yes, it has a chip

[Anonymous]

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@Anonymous wrote:

AFAIK I have 4 Chip and PIN cards; NFCU, NASA, PenFed and Diners Club. Of the 4 which one(s) are the one with PIN priority over signature (not sure of the exact terminology here)? And how do you tell which it is?

And does any any of that matter right now in the US?  I understand that it does overseas.

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Only Diners Club and Navy Federal are PIN priority. FYI you may have issues with PIN priority cards at smaller businesses in the US but that's because acquirers/processors are pretty much telling businesses they don't have to change anything about their processes (which isn't true).

BTW FlyerTalk has a link to a user contributed map that will show you where you can use your chipped cards in the US today.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

AFAIK I have 4 Chip and PIN cards; NFCU, NASA, PenFed and Diners Club. Of the 4 which one(s) are the one with PIN priority over signature (not sure of the exact terminology here)? And how do you tell which it is?

And does any any of that matter right now in the US?  I understand that it does overseas.

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Only Diners Club and Navy Federal are PIN priority. FYI you may have issues with PIN priority cards at smaller businesses in the US but that's because acquirers/processors are pretty much telling businesses they don't have to change anything about their processes (which isn't true).

BTW FlyerTalk has a link to a user contributed map that will show you where you can use your chipped cards in the US today.

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Thank you 

[ojefferyo]

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@Anonymous wrote:

AFAIK I have 4 Chip and PIN cards; NFCU, NASA, PenFed and Diners Club. Of the 4 which one(s) are the one with PIN priority over signature (not sure of the exact terminology here)? And how do you tell which it is?

And does any any of that matter right now in the US?  I understand that it does overseas.

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90% of the time I use my Diners at a place that takes debit I have to enter my PIN unless I do it via contactess. So I would say the Diners card would more times than not ask for PIN.

[odd_dog]

WOW this is a timely post for me, I am going over to the UK for work and they told me I would have trouble with the AMEX corp. card (no chip) and to bring a chip and pin Visa or MasterCard....I am bringing the Arrival +  You can actually put in your own 4 digit pin on your account page....hope it works over there!!