Chip and Pin credit cards
I have searched for awhile for a true chip and pin card. There was a recent post on the topic and it was pointed out the Andrews Federal Credit Union issues them. On the surface, there is an easy way to membership eligibility. However, I have to share my experience which was less than satisfactory. They are difficult to reach. They do not get back with questions that they might have. In sum, they are the least professional financial institution with which I have had the misfortune to deal. I have decided to wait for other institutions to offer the product.
david
washington 11/15/12
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I believe the Travel Rewards card is actually a chip and signature card, even though you can associate a PIN with it. It is not a true chip and PIN card.
In other words, that PIIN is for the magnetic stripe, not for the chip.
I just ordered one and the service rep said it's made to work internationally. She didn't even miss a beat when I asked if I could use it at automated gas pumps in France. It'll be here in 5 business days with its accompanying pin, which she said I cannot change and is embedded into the card.
If I was lied to I'll be bummed. Making sure the tank is full can easily be dealt with. Trying to find the only person manning a 5-story parking garage because your car is being held hostage by a recalcitrant ticket machine is something different. Same with printing up will-call train tickets on the fly.
"Trying to find the only person manning a 5-story parking garage because your car is being held hostage by a recalcitrant ticket machine is something different." I have never seen a parking ticket machine anywhere that doesn't accept cash.
I read the article linked in the above comment about the difference between chip and pin, and chip and signature. However, it didn't answer this question:
If I have a chip and signature card, and call Chase to get a PIN, does that affectively make my card a chip and PIN I can use at unmanned kiosks?
We are planning a 3 week driving tour of France this summer and would like to have the assurance of such a card in those times where it is really needed.
No.
Along with the ongoing confusion for many about the difference between chip and pin and chip and signature ,I'll throw this out. About two years ago , prior to taking the card from Andrews , I got in touch with CHASE ,( my bank here in NY ) and inquired about a PIN for the chip and signature cards they offer . FWIW , They told me at that time that using the card with a PIN would process any transaction done in that manner as a cash advance with the fees associated with that type of transaction . I can't vouch for the veracity of the information they provided at that time , but it was enough to put me off using a chip and signature card with a PIN . Something to bear in mind . In any event , my Andrews card works as expected .
My understanding of the Chase card ( which I have) is that the PIN works with the magnetic strip, not the chip.
Lola, what has been your experience with the card ? Have you noticed any transactions posted as cash advances ? Also , what activates the chip ? Just curious , Thanks , Steve
USAA announced in February 2013 that they are now offering chip and pin credit cards. I just ordered the new card, which also contains a mag strip for non-EMV chip readers. Supposed to be same numbers and features as the current card.
There's a problem with the USAA card: it only comes in freakin black so you can't get a Marine Corps emblem no more. But it does work just dandy both ways.
Steven-I used the "chip" function of my Chase card for the first time on a ski trip in Canada last January. The machine spit out a slip for me to sign, just as if I had swiped the magnetic strip. The transactions posted as regular purchases, with no FTF's which is why I like that card.
But since the Chase card is not a chip-and-pin, we went ahead and got the USAA chip card Ed mentions. Yes, it is all black, so I can't see if it has a magnetic strip as well, but Ed says it does and that is good enough for me.
Get out your magnifying glass. Wiggle it around in good light.
It's on top. The blank space between: 'For account information......' and 'Not valid unless.......'
Sheesh. Do I have to be everybody's grandfather?
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