Reverting from Chase Freedom EMV?

[AvadaKedavra]

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@takeshi74 wrote:

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@AvadaKedavra wrote:

The EMV Freedom is literally the worst looking card.

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It's not literally the worst but that is literally your opinion.  Literally isn't equivalent to an exclamation mark despite how so many use it as such.  As others have pointed out even if you can revert you'll be forced to switch with the liability shift around the corner.

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Thanks for informing me of how I should use "literally." Not sure what I'd do without you. Between that and your second piece of info, there was no need for your post as I already commented on the fact that I know I'll eventually get a chip card.

[taxi818]

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@AvadaKedavra wrote:

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@Anonymous wrote:

Kinda like freedom mastercards.... you can't avoid it. What a silly reason not to use a card...sigh..

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I mean technically it's not the only reason why I don't use it. I use AMEX and I'd say there is only one place I frequest that doesn't take amex and I usually just use cash there (local deli). The card being "ugly" just makes it that much easier to use another as my 'backup'. 

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That reminds me of lady said.  She ants to put pic of cat on her amex gold. Because it looked dated with old soldier.  Said it reminds her of grandfather so she don't use it. 

[nyancat]

I'm shocked and horrified that Chase went along with your request for a card without a chip... utterly disgusting and irresponsible of them. 

Also, frankly, I think that if your card gets copied you should be held liable for the fraud since you refused reasonable fraud protection measures. Least secure party pays? I agree, and the customer insisting on an insecure card should be held liable if it is by their demand.

[Skye12329]

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@nyancat wrote:

I'm shocked and horrified that Chase went along with your request for a card without a chip... utterly disgusting and irresponsible of them. 

Also, frankly, I think that if your card gets copied you should be held liable for the fraud since you refused reasonable fraud protection measures. Least secure party pays? I agree, and the customer insisting on an insecure card should be held liable if it is by their demand.

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Granted EMV technology is more secure, its not foolproof eventually someone will figure a way out. Personally im a little shocked they allowed it too. Considering all cards will be going like that. As for the fraud, the consumer is never responsible due to card company policies of fraud protection.

[taxi818]

I agree is not  100% secure. But the old card is less secure. I got my amex that has the chip. No one uses I. So o has a point. At least for now. The chip is useless. But ion said it was because it was ugly. 

[nyancat]

Even if nowhere you shop uses the chip today, it is still much more secure as it reduces the number of shops a clone can be used (no overseas, no Wal-Mart). Agreed the customer is never liable but I think if customers deliberately ask for an insecure card they should be held liable. Or, better, banks should just deny such bizarre and insane requests.

[Skye12329]

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@nyancat wrote:
Even if nowhere you shop uses the chip today, it is still much more secure as it reduces the number of shops a clone can be used (no overseas, no Wal-Mart). Agreed the customer is never liable but I think if customers deliberately ask for an insecure card they should be held liable. Or, better, banks should just deny such bizarre and insane requests.

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Well the chip basically tells the card reader to send certain commands over the network. The reader is then making sure that you have the physical card in the reader. Thats what the chip is doing. So in a way the chip is only useful if the merchant takes chip. 

[AvadaKedavra]

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@nyancat wrote:

I'm shocked and horrified that Chase went along with your request for a card without a chip... utterly disgusting and irresponsible of them. 

Also, frankly, I think that if your card gets copied you should be held liable for the fraud since you refused reasonable fraud protection measures. Least secure party pays? I agree, and the customer insisting on an insecure card should be held liable if it is by their demand.

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Wow! "Utterly disgusting and irresponsible." You have very strong feelings about this!

So maybe if we were in October of 2015 and I requested a non-EMV chip, it would be reasonable to question Chase...but we're not. EMV is not yet required and aboslutely nowhere I've shopped in NYC uses EMV. Sure, my card is going to change to an EMV soon and I'm sure once they flip the switch on EMV only cards, requesting a non-EMV may not be possible. However, as far as I'm concerned, by default the Freedom is non-EMV and you only get the EMV if you request it so it's probably not a big deal for me to have gotten a non-emv when requesting a new card.

[nyancat]

No because a copied chip card can't be swiped in a chip enabled reader at Wal-Mart or abroad.