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card without chip

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nyancat
Established Contributor

Re: card without chip

While you joke many people believe this tracking conspiracy without taking two seconds to THINK. They can (and do) track you just as easily with a magnetic stripe card. Both still identify you and where you shop, after all.
American Express Blue Cash Everyday - $11,000; American Express Platinum Cashback Everyday - £3,000; American Express Rewards Credit Card - £7,500; Aqua Reward Mastercard - £3,500; Bank of America Travel Rewards - $5,000; Barclaycard Freedom Rewards - £3,500; Citi Forward - $5,800; Discover It - $10,000; Halifax Clarity - £1,500; HSBC Platinum with Rewards - $5,000, MBNA Everyday Plus - £3,500
Message 11 of 49
Anonymous
Not applicable

Re: card without chip


@nyancat wrote:
While you joke many people believe this tracking conspiracy without taking two seconds to THINK. They can (and do) track you just as easily with a magnetic stripe card. Both still identify you and where you shop, after all.

You seriously think that the chip in US cards is just plain EMV?   It has GPS + microphone+transmitter, mandated by the Patriot Act for the NSA (If you are not a terrorist you have nothing to fear).   That's why it took so long for US Banks to roll it out.  They know where you are and what you say, even if you never use it!

 

Ot so I heard from a friend whose nephew's dentist's cousin worked near the center that build the "special" chips.

Message 12 of 49
Berk
Established Contributor

Re: card without chip


@nyancat wrote:
While you joke many people believe this tracking conspiracy without taking two seconds to THINK. They can (and do) track you just as easily with a magnetic stripe card. Both still identify you and where you shop, after all.

If they want to find you they will unless you move completely off the grid (and don't get your own "Reality TV" show). Every web site you visit is recorded. Every email you send and receive is recorded. Every phone call you make. Every text message you send. Every Google search you do. Your cell phone gives your exact location. Your car either has or soon will have a GPS standard in it.

 

Who cares about an innoculous little chip in my credit card?

 

Message 13 of 49
lg8302ch
Senior Contributor

Re: card without chip

Why ???  Get some Cap1 cards  - they do not have chip Smiley Happy

 

edit: my Discover is now processing smoothly with the chip at a merchant overseas where the magnetic stripe got "unknown card" as a result Smiley Happy

Message 14 of 49
-Wade-
Valued Contributor

Re: card without chip


@Anonymous wrote:

I seem to remember on some cards, for a while back, if you requested an EMV card there was  a notification that it couldn't be "undone".   But as others have said, banks will insist because of the liability shift, they need to provide cards as least as secure as the POS systems.


I know that Amex is one of them, once you go chip it's a done deal

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 15 of 49
Anonymous
Not applicable

Re: card without chip

I have read all the replies, it has nothing to do with tracking... or fraud lol I just want my card without a chip becasue it looks much better for some cards without the chip on the front thats all....

Message 16 of 49
kdm31091
Super Contributor

Re: card without chip

The bottom line is you are almost always being tracked anyway. Like someone said, emails, phone calls, texts, web visits, all of these things can be and are tracked. Don't assume that any of your activity is really private. It sucks but it is the truth. Someone can always figure out what you have been doing or where you are. This is the price we pay for the massive leaps in technology.

 

I'm in retail and it cracks me up a little bit when people don't want to sign up for a store loyalty (not credit) card that's free because of privacy. I respect you wanting to be private, but you shouldn't have a smartphone, use email, etc then. A loyalty card where they can see the type of products you buy is the LEAST of your concerns if you are really that worried about privacy! It sucks that so many stores require the loyalty card to get the sale prices, but nobody "owes" you a sale price. They give you the sale price in exchange for your data. I do think it is stupid and annoying, but you have to go along with it or shop at places who don't have loyalty cards.

 

You should assume anything you text, email, post here, whatever, is not really private and can be read by whoever is doing the tracking. Back when IM's were still a thing, it was revealed AOL was storing people's AIM conversations (which you have an option to "save", but I believe this was without people's consent). It is hardly new or surprising. You are always being tracked.

Message 17 of 49
Anonymous
Not applicable

Re: card without chip


@Anonymous wrote:

I seem to remember on some cards, for a while back, if you requested an EMV card there was  a notification that it couldn't be "undone".   But as others have said, banks will insist because of the liability shift, they need to provide cards as least as secure as the POS systems.


+1 Was told could not go back.

Message 18 of 49
Closingracer99
Valued Contributor

Re: card without chip


@mongstradamus wrote:

@nyancat wrote:

Why? So you can be more vulnerable to counterfeit card fraud? It doesn't make much difference yet, but it will over the next few months. There's no reason at all to want the card to not have a chip.

 

Any bank that would honour a request like this would lose a lot of respect from me, it'd prove they just don't care at all.


Maybe you don't want CCC to track you via emv chip on your credit card lol 


That's just being paranoid lol specially if you have a cellphone


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 19 of 49
Closingracer99
Valued Contributor

Re: card without chip


@Anonymous wrote:

@nyancat wrote:
While you joke many people believe this tracking conspiracy without taking two seconds to THINK. They can (and do) track you just as easily with a magnetic stripe card. Both still identify you and where you shop, after all.

You seriously think that the chip in US cards is just plain EMV?   It has GPS + microphone+transmitter, mandated by the Patriot Act for the NSA (If you are not a terrorist you have nothing to fear).   That's why it took so long for US Banks to roll it out.  They know where you are and what you say, even if you never use it!

 

Ot so I heard from a friend whose nephew's dentist's cousin worked near the center that build the "special" chips.


That phone in your pocket can already do that so you have nothing to worry about lol


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 20 of 49
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