Originally Posted by
JEFFJAGUAR
The csr's spreading this nonsense are just plain wrong. Period. Of course you understand that with a large bank such as Chase, chances are the csr you are speaking to may be flund in Sri Lanka or India or some place like that and most likely has no idea what you're talking about, types into his or her console pin and up comes ghe script they are supposed to read to you. I do remember over the couse of these discussions some claiming they were told that using a pin qualifies the transaction as a cash advance but there has not been a single documented case where it has happened. I am quite sure it is simply not true.
That's right. Most of them are just reading scripts. However, when I was talking to Chase Sapphire Preferred, I want to say the guy was based somewhere in Missouri, and the customer service for Chase Marriott is (was?) outside of Chicago.
Originally Posted by
JEFFJAGUAR
...I will say this, though. One of the arguments being used by visa to defend its position that chip and signature is the direction to go in the USA, is that they feel people might be confused that using a pin will initiate cash advance fees.
I think this is also true. They want people to swipe swipe swipe... (Soon dip dip dip.) The bottom line is they don't want any barriers to using your card or anything that would make you reconsider. That's why they're so quick to waive fraudulent charges. (Imagine having to fight tooth and nail to resolve a $20 dispute.) That's why they're so fast to replace your card. (Imagine having a vacation ruined because you relied on your one credit card that got lost, and you couldn't buy souvenirs.) That's why they're so against minimum purchases, ID checks, and surcharges. (These present additional hassles where it would be cheaper to pay cash than by card, or, in the case of ID checks, people have concerns about identity theft.)