Old Mar 12, 15, 11:21 pm
Points Scrounger
FlyerTalk Evangelist
Join Date: Aug 2001
Location: SEA
Programs: Delta - Silver; UA - Silver; HHonors - Diamond; IHG - Spire Ambassador; Marriott Bonvoy - Titanium
Posts: 12,863
I'm fine with an occasional 1% ISA fee (and losing the cash back), rather than applying for a 0% FTF credit card, which I'd rarely use. We're talking about an occasional lunch, or souvenir T-shirt, not a mink coat! I'd just be interested in a PIN-requesting-for-purchases back up to UNFCU Visa.

I would expect magstripe swiping to never ask for a PIN (usually signature, unless waived).
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