Apr 25, 2017, 8:05 pm
Last edit by: geclub1
Application Link:
Preferred (UnionPay): https://icbc-uscards.com/#/?product=...y&origin=00002
Preferred (Visa): https://icbc-uscards.com/#/?product=...a&origin=00002
Premier (UnionPay): https://icbc-uscards.com/#/?product=...y&origin=00002
Premier (Visa): https://icbc-uscards.com/#/?product=...a&origin=00002
Card Service email address:
[email protected]
Preferred (UnionPay): https://icbc-uscards.com/#/?product=...y&origin=00002
Preferred (Visa): https://icbc-uscards.com/#/?product=...a&origin=00002
Premier (UnionPay): https://icbc-uscards.com/#/?product=...y&origin=00002
Premier (Visa): https://icbc-uscards.com/#/?product=...a&origin=00002
Card Service email address:
[email protected]
US based Union Pay card?
Dec 5, 2016, 10:50 am
#61
Join Date: Jan 2003
Location: New York, NY, USA
Programs: UA 1K - 2.1MM, HH LT Diamond, IHG Diamond, Bonvoy LT Titanium, Hyatt Glob
Posts: 766
ICBC linked the credit card successfully. ^
The only open issue for me at the moment is the authorized user for the card. I'll wait it out and contact them if I don't receive the authorized user card.
I noticed for initiating the payment the only funding source was from ICBC checking account. In other to add an external checking account I have to set up autopay. I have never enabled autopay on any credit card since I prefer to review the statement and verify all charges before initiating the payment.
For those if you without a checking account, could you set up a funding source but not have it be on the Auto-Pay Service?
The only open issue for me at the moment is the authorized user for the card. I'll wait it out and contact them if I don't receive the authorized user card.
I noticed for initiating the payment the only funding source was from ICBC checking account. In other to add an external checking account I have to set up autopay. I have never enabled autopay on any credit card since I prefer to review the statement and verify all charges before initiating the payment.
For those if you without a checking account, could you set up a funding source but not have it be on the Auto-Pay Service?
Dec 5, 2016, 11:01 am
#62
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,060
Dec 5, 2016, 5:39 pm
#63
Join Date: Oct 2005
Location: SF
Programs: UA, VX, QF, EY, VA
Posts: 756
ICBC linked the credit card successfully. ^
The only open issue for me at the moment is the authorized user for the card. I'll wait it out and contact them if I don't receive the authorized user card.
I noticed for initiating the payment the only funding source was from ICBC checking account. In other to add an external checking account I have to set up autopay. I have never enabled autopay on any credit card since I prefer to review the statement and verify all charges before initiating the payment.
For those if you without a checking account, could you set up a funding source but not have it be on the Auto-Pay Service?
The only open issue for me at the moment is the authorized user for the card. I'll wait it out and contact them if I don't receive the authorized user card.
I noticed for initiating the payment the only funding source was from ICBC checking account. In other to add an external checking account I have to set up autopay. I have never enabled autopay on any credit card since I prefer to review the statement and verify all charges before initiating the payment.
For those if you without a checking account, could you set up a funding source but not have it be on the Auto-Pay Service?
Even if there were some fraudulent charges, you still have to pay the balance that isn't disputed, and autopay takes that into account... ?
Dec 5, 2016, 11:29 pm
#64
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,060
On a separate note, I used the card for two test charges today. The first was at Target (EMV enabled). As expected, inserting the card resulted in an error. The terminal told me to swipe. The charge printed on a receipt as DISCOVER NETWORK CHARGE after the last 4 digits of the card number. For reference, a recent Target receipt from a Chase Visa said VISA CHARGE (and has the AID line plus another line that says VISA CREDIT).
I then went to Panera Bread, which has contactless payments enabled. It attempted to read the card, but nothing happened with the payment. I ended up swiping and it came through as Discover as well.
I don't have any trips planned to China/HK/Macau until February, so I won't be able to test the card on a native UnionPay network until then.
Dec 6, 2016, 12:16 am
#65
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
On a separate note, I used the card for two test charges today. The first was at Target (EMV enabled). As expected, inserting the card resulted in an error. The terminal told me to swipe. The charge printed on a receipt as DISCOVER NETWORK CHARGE after the last 4 digits of the card number. For reference, a recent Target receipt from a Chase Visa said VISA CHARGE (and has the AID line plus another line that says VISA CREDIT).
I then went to Panera Bread, which has contactless payments enabled. It attempted to read the card, but nothing happened with the payment. I ended up swiping and it came through as Discover as well.
I don't have any trips planned to China/HK/Macau until February, so I won't be able to test the card on a native UnionPay network until then.
I then went to Panera Bread, which has contactless payments enabled. It attempted to read the card, but nothing happened with the payment. I ended up swiping and it came through as Discover as well.
I don't have any trips planned to China/HK/Macau until February, so I won't be able to test the card on a native UnionPay network until then.
Dec 6, 2016, 1:41 am
#66
Join Date: Jan 2014
Location: The UK
Posts: 154
Given the primitive nature of the web interface, I have my doubts that that is the case. While the exposure isn't that high here, I still don't want any problems.
On a separate note, I used the card for two test charges today. The first was at Target (EMV enabled). As expected, inserting the card resulted in an error. The terminal told me to swipe. The charge printed on a receipt as DISCOVER NETWORK CHARGE after the last 4 digits of the card number. For reference, a recent Target receipt from a Chase Visa said VISA CHARGE (and has the AID line plus another line that says VISA CREDIT).
I then went to Panera Bread, which has contactless payments enabled. It attempted to read the card, but nothing happened with the payment. I ended up swiping and it came through as Discover as well.
I don't have any trips planned to China/HK/Macau until February, so I won't be able to test the card on a native UnionPay network until then.
On a separate note, I used the card for two test charges today. The first was at Target (EMV enabled). As expected, inserting the card resulted in an error. The terminal told me to swipe. The charge printed on a receipt as DISCOVER NETWORK CHARGE after the last 4 digits of the card number. For reference, a recent Target receipt from a Chase Visa said VISA CHARGE (and has the AID line plus another line that says VISA CREDIT).
I then went to Panera Bread, which has contactless payments enabled. It attempted to read the card, but nothing happened with the payment. I ended up swiping and it came through as Discover as well.
I don't have any trips planned to China/HK/Macau until February, so I won't be able to test the card on a native UnionPay network until then.
Dec 6, 2016, 12:30 pm
#69
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
I haven't applied for the card but my guess is signature/online PIN/no CVM, in that order. Maybe someone will read it at some point to confirm?
Dec 8, 2016, 11:13 am
#71
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,060
I just received the first statement, and I noticed in the fine print it says, "Through February 2017, please set up payments via your own banks' bill pay function. Allow 5 to 7 business days to process." It sounds like they're going to add the feature to the website to draft a payment from the ICBC side without an associated checking account. ^
Dec 10, 2016, 2:01 pm
#72
Join Date: Jan 2014
Location: The UK
Posts: 154
I used my card today at a Chinese restaurant and the chip didn't work, it prompted for a swipe. I had to enter my PIN and after that I had to sign a signature slip. The receipt says that both PIN and signature were verified. It went through the Union Pay network as it says Union Pay on the receipt. Maybe lots of merchants in the UK don't have the application for the chip? I will try it more next week.
Dec 12, 2016, 1:07 pm
#73
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
I used my card today at a Chinese restaurant and the chip didn't work, it prompted for a swipe. I had to enter my PIN and after that I had to sign a signature slip. The receipt says that both PIN and signature were verified. It went through the Union Pay network as it says Union Pay on the receipt. Maybe lots of merchants in the UK don't have the application for the chip? I will try it more next week.
On the other hand, it doesn't sound like it's been asked for in the US yet. However, that would make sense if that bit's set to "ask when possible" and US terminals consider PIN on magstripe impossible.
Dec 13, 2016, 3:12 am
#74
Join Date: Jan 2014
Location: The UK
Posts: 154
I can confirm the CVM list for the Union Pay card as: Signature, online PIN, no CVM. I thought Union Pay required Chip and PIN but maybe not?
@tmiw I think because it runs on the Union Pay network here and not on Discover's that's perhaps why it asks for a PIN with swipe transactions. I'm not sure though as I don't know all the technical details.
@tmiw I think because it runs on the Union Pay network here and not on Discover's that's perhaps why it asks for a PIN with swipe transactions. I'm not sure though as I don't know all the technical details.
Dec 13, 2016, 3:18 am
#75
FlyerTalk Evangelist
Join Date: Sep 1999
Location: New York, NY, USA
Posts: 12,482
I noticed that you are UK based.