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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.
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 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 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.