Citibank Debit Card with EMV chip technology

Anonymous · ‎10-17-2015

Does anyone know for sure what's happening with this? I'm currently waiting on what's supposed to be a chip card in the mail. Apparently some phone agents think they can actually ship out updated cards for you. But they are not always correct because when it comes in the mail it is just a regular old card.

However citibanks website at this point in time, since it is the October EMV compliance deadline, I would think they are ready to start shipping.

Citibank apowars to be updating cards in waves. I haven't seen anyone get one yet but I have no idea on how it's happening, even though I've seen advertisements and was notified on my statement that I'd be getting one soon.

Sigh. I just like chip cards they look really cool and I have to have that added security wherever I go.

jsucool76 · ‎10-17-2015

I just spoke with a citigold representative who informed me the chip card rollout is sep 1 through mid november 2015, so everyone should have one by this time next month.

Anonymous · ‎10-18-2015

Sounds good so far

CreditCuriosity · ‎10-18-2015

Wow UsBank is actually ahead of citi on this one amazing! I received my UsBank debit card months ago. This one isn't expected along with my CU's debit card.

Anonymous · ‎10-18-2015

The U.S. is trying its best. I've seen lots of progression towards this effort. Target has enabled it's EMV, which was really important to bring customers back into the stores for the holidays. After that breach customers are sure to use EMV, and I think the use is quite high.

I've seen CVS replace its equipment. And about 80 percent of the stores I shop at have the hardware in place already but the interface isn't quite ready to accept it yet.

We'll get there. I'll let you know what I get in the mail this week.

tacpoly · ‎10-18-2015

My husband got his (citigold) a couple of weeks ago. I'm still waiting for mine (also citigold).

It looks much better than the previous card.

Anonymous · ‎10-18-2015

@Anonymous wrote:
The U.S. is trying its best. I've seen lots of progression towards this effort. Target has enabled it's EMV, which was really important to bring customers back into the stores for the holidays. After that breach customers are sure to use EMV, and I think the use is quite high.

I've seen CVS replace its equipment. And about 80 percent of the stores I shop at have the hardware in place already but the interface isn't quite ready to accept it yet.

We'll get there. I'll let you know what I get in the mail this week.

We could have done a lot better, IMO. Everyone had 3+ years to do this but waited until the last second to start. Small businesses have been getting the hardware but have not been trained on it at all. At best they figure out that the chip means to immediately insert but a lot of the time they're still swiping first and only inserting after the machine tells them to. And if you try to use NFC it will blow their minds, if they let you; small businesses don't even know their new equipment can accept Apple Pay and similar.

Basically most of the stores that made the deadline were the ones that got hit by breaches before, e.g. Target and Home Depot.

Anonymous · ‎10-18-2015

Apple Pay really is the first line of defense in this whole thing.

EMV is hefty in requirements, preperation and cost. That's not the customer's problem however, customers who are concerned about their security are already going to know what to do, whether they're using Apple Pay or EMV.

The EMV rollout has been chaotic because that's the nature of the business. Businesses all have different initiatives. One might praise Walgreens for their Apple Pay acceptance, yet they don't take EMV. Then turn around and praise Target for their EMV acceptance, but they don't take Apple Pay.

Customers now more than ever have to make choices in their best interest. A cashier is not going to have those best interests at heart. They're waiting for you to slide and get out.

Anonymous · ‎10-18-2015

@Anonymous wrote:
Apple Pay really is the first line of defense in this whole thing.

EMV is hefty in requirements, preperation and cost. That's not the customer's problem however, customers who are concerned about their security are already going to know what to do, whether they're using Apple Pay or EMV.

The EMV rollout has been chaotic because that's the nature of the business. Businesses all have different initiatives. One might praise Walgreens for their Apple Pay acceptance, yet they don't take EMV. Then turn around and praise Target for their EMV acceptance, but they don't take Apple Pay.

Customers now more than ever have to make choices in their best interest. A cashier is not going to have those best interests at heart. They're waiting for you to slide and get out.

Without EMV though a lot of these places would never have bothered with Apple Pay/NFC. That's a large part of why the tap cards failed to catch on before.

BTW Walgreens accepts both now.

jsucool76 · ‎10-18-2015

It was just the lack of infrastructure for NFC. The reason NFC has made a comeback with Apple Pay, Google Wallet (Now android pay) and samsung pay, and whoever pay is because on a cell phone there is actually security. You need to use a password or a fingerprint to activate the transfer. With NFC cards, the weakness of RFID skimming was identified pretty quickly, and banks had no way around it so they just started phasing out NFC cards.