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USA EMV cards: Availability, Q&A (Chip & PIN -or- Chip & Signature) [2012-2015]

USA EMV cards: Availability, Q&A (Chip & PIN -or- Chip & Signature) [2012-2015]

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Old Jan 15, 16, 11:38 am   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
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Wiki Link
Posts from 1/1/16 onward can be found here: http://www.flyertalk.com/forum/credi...signature.html

EMV wikipost volunteers: kebosabi

What is EMV?
EMV is a defacto global standard of technology where there is a visible microchip on the front of the card. It looks like this:

Who issues them?
See Google Docs spreadsheet in Post #1

SFOAMS also has created a list of excellent webpage that shows US EMV cards in a more interactive interface

Another site, which lets you narrow the search for an EMV card by various parameters, is http://www.spotterswiki.com/emv/index.php.

Several credit unions issue some form of Chip-and-PIN credit cards or prepaid cards. Prepaid EMV cards however are not recommended due to junk fees. USAA (currently restricted to members of military) used to offer Chip-and-PIN cards, but as late has backtracked to Chip-and-Signature priority.

Hey that's a cool Google Docs list! I know others that aren't on that list. How can I help by adding them to the list?
My bad for not putting this into the wiki sooner. Right now, the Google Docs is locked out of editing and only in "read-only" view because there were instances in the past where people would just delete the rows not thinking that it affects others viewing the list.

If you promise not to delete any rows and input all the pertinent info (annual fee, rewards, FTF, etc.), I can provide you with edit access. Just shoot me a PM to kebosabi with your gmail address and I'll provide you edit access.

Thanks for helping out!


As of October 2014, no USA-based card issuer offers Chip-and-PIN priority cards except for BMO Harris (Diners Club) and UN Federal Credit Union. Other major USA-based banks such as BofA, Chase, Citi, as well as others issue Chip-and-Signature cards which may work at many automated kiosks. However, bear in mind the word may is used above is a context where there is no absolute certainty of success for certain environments such as automated kiosks due to different natures of offline and online transactions. It is highly recommended to read Post #3 which lists real life FTer examples on how Chip-and-Signature worked and did not work at various transaction environments.

Can I upgrade it right now?
If it's listed on that Google Docs spreadsheet or SFOAMS' Silk page, wouldn't hurt to call/twitter them for a free upgrade. If you get the response you don't like, hang up, try again.

What is the difference between Chip-and-Signature and Chip-and-PIN?
You insert the chipped card into the slot. The physical contact terminal will read the EMV chip and the terminal will automatically read the preferred cardholder verification methods (called CVM) for that card.

Chip-and-Signature means that the terminal will printout a receipt for you to sign. This is the most prevalent authentication for most US issued EMV cards. Chip-and-Signature helps in a way that it will get through to face-to-face merchant transactions where you and the merchant do not speak the same language.

Chip-and-PIN means that the terminal will prompt you to input a PIN for authentication. Some credit union issued credit cards will have this CVM as secondary if Chip-and-Signature cannot be done. Chip-and-PIN is the more prevalent method of authentication used outside the US, especially in transaction environments where no human interaction is needed (i.e. automated gas pumps, toll roads, train kiosks, etc.).

The Google Docs spreadsheet will list which CVM are used in the EMV cards listed. Some cards can only do Chip-and-Signature. Other cards can do both Chip-and-Signature and Chip-and-PIN. And others might have a third option called No CVM (no authentication needed) which is reserved for low value transactions.

One chip can hold a lot more data, therefore it is capable of doing multiple verification methods. That's one of the great things about EMV over the mag-stripe which can hold very little data.

I want to know for sure what my EMV chip does. Is there anyway I can test out my own EMV card to see what the CVM list is?
alexmt has written up a nice step-by-step procedure on Post #3615.

If most of the EMV cards in the US is the Chip-and-Signature type, doesn't that mean it's still useless abroad?
Depends if you see it as glass half empty or glass half full. See Post #3 for further details on how Chip-and-Signature has worked both successfully and unsuccessfully depending on the merchant transaction environment and use your best judgment whether which one is right for you.

Are there any places in the US that are accepting transactions via the EMV chip?
tmiw has created a dedicated Google maps webpage to show where EMV has been proven to work here: http://emvacceptedhere.com/ Per his Post #4240, feel free to add any places with active EMV terminals if you come across one.

As of 2014/05, the EMV terminals in most Walmarts and Sam's Clubs are being turned on. Hence, the best place to try them out would be your local Walmart or Sam's Club. For other merchants, it's slowly being phased in.

I hope people will post them in the Post your receipt of your 1st EMV based transaction in the US thread. cvarming has shown us an EMV transaction receipt from Brooklyn, NY in Post #2380. I myself had my first EMV based (Chip-and-Signature) transaction in two stores in the Los Angeles area, as shown in detail in Post #2705 (courtesy of WhatWhatTech for pointing these two stores out)

I don't want a chip in my card. I heard horror stories all over the media saying hackers can steal my credit card info from a mile away.
There are two types of chips. One is contactless and the other is contact. Cards can be either one or the other, or both.

In the Google Docs spreadsheet, the cards that are capable of contactless payments are listed seperately under the "RFID or NFC contactless chip" column. If it says yes, then that means it has the ability to do contactless payments. If it says no, it doesn't have that feature.

The one that the media has overhyped about hackers "stealing your information wirelessly" was the contactless type like this:

You are worried about this happening, right?

You don't have to worry. EMV is a chip standard that can have both contact and contactless interfaces. With the traditional contact interface, this means you actually have to physically insert the chip into a POS terminal for it to be authorized, like this:

With the contact interface, nothing is wireless. No data is sent out in a stand-alone contact type EMV chip. With the EMV contactless interface, data is sent wirelessly.

Furthermore, contactless chip cards are required to show a symbol (looks like Wi-Fi symbol) somewhere on the card that to denote it's capability as a contactless card. For example, here's an example of a Discover Card with contactless capability (in which Discover calls "Discover ZIP") showing the contactless symbol on the back of the card:

Don't believe everything that the media says. Besides, millions of people all over the world from London to Singapore, uses contactless payments daily in extremely crowded subways and mass transit with nary any problems. There are multiple layers of encrypted securities and keys that are needed to break the code.

Frankly, giving your physical card to a waiter/waitress who takes the card out of your view is much more susceptible to fraud than contactless payments.

Why should I care?
If you are an international traveler, you will want this because majority of the world has or in the process of converting to this payment format.


In fact, in 2012, even North Korea moved to the EMV format, leaving the US as one of the countries in the world that hasn't done so.

In addition, VISA, MC, AMEX, and Discover have all agreed to incentivize the USA shifting to EMV payments by 2015 by shifting liability for fraudulent transactions to merchants if they do not have EMV equipment and the cardholder has an EMV card. So if you travel internationally or would like to get one before the others, you might be interested in getting one.


BS! I had no problems using my card in [insert whereever country], [insert whatever point in time]
If you stick to the tourist path where they have lots of visitors from the US, you should have no problems using your mag-stripe only card in hotels and restaurants, at least for now. But as things can change as things go forward.

However, consider that once you start taking the off-beaten path, go to non-touristy places where they are not familiar with mag-stripes, rent a car and use toll roads, fill up gas, or try to buy train tickets you might end up into a trouble of the machine not recognizing your card because it lacks the chip. Furthermore, a lot of toll roads, gas pumps, and automated ticket machines lack any human assistance to help you when you need it the most.

But [insert credit card company] told me all merchants that display their logo must accept them! All I have to do is report them for violating their agreements, right?
There are several factors against this.

1. You can only speak English. The merchant representative, most likely a part-time clerk earning minimum wage, speaks in a different language, let's say French. If you have no French language skills, how are you going to get your point across? Are you going to whip out your cell phone at exorbitant int'l roaming charges and hope the customer service is going to translate it for you on the spot? Or maybe you might actually know French. But how about Swahili, Farsi, Balinese, or the multiple languages in mainland China?

2. Just like US, the rest of the world's businesses uses part-time minimum wage workers as cashiers to cut down on labor costs. Most of their SOP training manuals are written by MBA types to not to do anything they are not familiar with. Do not expect them to understand the intricate details of credit card mumbo jumbo. You don't expect Taco Bell employees to understand the minute details of Discover-JCB-Union Pay agreements, right? Same thing the other way around: be respectful as a guest in their country, prepare in advance in their ways, avoid being an "ugly American" stereotype.

3. You are a guest in their country. You are a minority. If 99.9% of their country's people and other tourists from around the world uses EMV, do you really think they are going to accomodate the 0.1% of American tourists who only have mag-stripes credit cards?

4. Again, you are a guest in their country. How would you, as an American standing in line, react if a Chinese tourist was clogging up the lines at a local Taco Bell because the clerk doesn't understand the Discover-Union Pay agreement and has trouble communicating between Mandarin spoken by the tourist and English spoken by the Taco Bell clerk? Same way the other way around. You do not want to clog up the lines for everyone. The less hassle, the better.

5. VISA and MC make tons of money from merchants in that country. Say SNCF French Rail. It's a billion dollar company in France. Do you think VISA is going to pull the plug of their relationship with SNCF because SNCF refuses to do mag-stripe processing at their unmanned train station kiosk? Of course not. Be realistic.

6. And lastly, if you're up against an unstaffed toll kiosk, gas pump or train ticket machine, are you going to yell curses at the machine?

But I want my credit card to be able to be used in the US too!
No worries. They have not gotten rid of the mag-stripe on the back of the card for backward compatibility reasons, just like we still have embossed numbers on our cards for backwards compatibility to using those old carbon copy imprinters.

[insert own Hyatt card image front and back together with red arrows pointing to all the backward compatibility features]

You use the chip on the front of the card abroad (for now), and the mag-stripe just like any other card for the US. Basically, you're increasing your credit card's acceptance rate by getting a card that both via the chip and the mag-stripe. You're getting a better deal for free.

And when 2015 comes along and US switches to EMV, you'll be way ahead of everyone else too!


So why did the rest of the world and the US moved/moving toward EMV?
Primarily, due to fraud concerns. You see, the mag-stripe has been with us since the 1950s. It may have been the most high tech thing back in the day, but with the technology that is available today, any shmo can pick up a $100 USB magnetic card skimming device off of eBay and get your credit card info.

And unlike skimming off contactless cards which actually need the person to have l33t programming skills, skimming off a magnetic stripe has become so ubiquitous that nary a day goes about skimming fraud going on somewhere in America, from gas pumps, Michael's stores (2011), Target breaches (2013), restaurant waiters/waitresses, to even McDonald's drive thrus.

https://www.google.com/search?q=skimming+fraud

These type of fraud used to be prevalent in Europe. But once they started switching over to EMV starting over 2 decades ago, this type of fraud went elsewhere. It went over to Asia, Canada and Mexico, Latin America, etc. etc. until they too began implementing EMV to combat skimming fraud. The US is practically the only country left that hasn't done so, therefore all the fraud that used to take place elsewhere is now happening here.


But EMV is old and it's not fool proof. Shouldn't we just skip over it and do something new instead?
Yes, EMV is old. It was developed in the 1990s and its smart card payment predecessor was first introduced in France. But as of today, it has become the defacto global standard of payments.

But then, what else is there? There is no other de facto global standard of payments alternative. For example, if we decide to skip over it and do something new, hypothetically like DNA matching technology, it still means US int'l travelers will continue to have problems abroad with useless plastic acceptance because no other country is using this DNA matching technology except the US.

Besides, nothing is fool proof. You can say that the bank vault isn't fool proof because you can crack it open if enough C4 is used. But your average low-life scumbag isn't likely to get military grade C4 easily either. But the bank vault does make it harder to get the bank's money over say a petty cash box. That's the point here. EMV is akin to a security tight bank vault, the old mag-stripe is akin to a petty cash box lying around inside the drawer.


I'm a business owner and I don't think EMV is going to take off. I'm not going to spend extra hundreds of dollars to upgrade my credit card machine. Convince me other wise why I should.
I can understand the added extra cost to your business once this switchover takes place. But before even saying that, look at your existing POS terminal. Does it have a slot somewhere to insert a card?

Most likely, if you had replaced your POS terminal within the past five years, you already have an EMV capable terminal. EMV is basically just not turned on yet from the processor and acquirer side.

If you have an EMV capable terminal, then a best bet would be to contact your acquirer to have the EMV feature turned on. You did your end of the deal already by having an EMV capable terminal, it is now the acquirers' responsibility to turn it on in accordance to the EMV switchover mandate.

And if you don't, you are going to replace your POS terminal anyway from common wear and tear. It isn't a hard switch-over. You can continue to use your POS terminal until it dies out because EMV cardholders will still have the mag-stripe on the back. And by the time your non-EMV capable POS terminal is up for replacement the market will be full with these newer POS terminals that can accept the mag-stripe, EMV, as well as contactless payments.

In addition, you may also want to check with your acquirer or processor about EMV capable terminals. Some of them are willing to replace your terminal for free in preparation for the US EMV switchover. Call and ask for details.


But what's in it for me? I'm the one that has to pay for the upgrade.
All the major card networks have given incentives for merchants for the upcoming EMV switchover.

If 75% or more of your credit card transactions are done on an EMV contact and contactless terminal, they are going to waive your annual PCI-DSS fees, which usually costs you around $5.00-$19.95/month per terminal. The overall long term cost savings of those compliance fees will be larger than the cost of an one time upgrade for the terminal.

The downside is that once EMV switchover happens and if you do not have a POS terminal that is able to accept EMV, the fraud liability shifts over to the merchant.

I own several fast food franchises. If I upgrade my POS terminals at all of my restaurants, it's going to cost me thousands, if not millions. I don't think anyone is going to use a fake credit card to buy $5 burgers. And if they do, wouldn't it be cheaper for me to eat the fraud cost?
Remember also that fraud isn't just committed by dishonest customers using fraudulent cards. Fraud can also happen with dishonest employees skimming off credit card data from the mag-stripe as in the case of a teenage McDonald's drive thru employee skimming off $13,000 of customers' credit cards in Olympia, WA. Consider the public relations fall out that your business may have if this happens (i.e. the big Target breach of 2013, where someone used a mag stripe card to load malware INTO Target's system). Is it worth risking to take such a huge PR disaster?
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Old Apr 13, 15, 4:46 pm
  #10846  
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Originally Posted by JEFFJAGUAR View Post
Since the UNFCU card is free, carry it as a backup can't hurt, now can't it? Any chip and signature card will work almost all the time so try the one you want first with the most appropriate rewards program for your needs and if it is refused, fall back, grit your teeth and take the obnoxious 1% hit for the UNFCU card. Of course, bear in mind, you won't get your rewards if those are important for you but then again remember Arrivals+ has an even more obnoxious annual fee (although it is waived for the first year and everybody here is conniving to cancel when the first year is up, wait a little while and re-applying.
Except Visa doesn't appear to be enforcing no CVM acceptance nor do kiosk operators in Europe and elsewhere seem to care. So no, signature only cards (which seem to be the majority) will not work almost all the time, at least not without unsupported workarounds like using the cash advance PIN. That said, I'm not convinced that there's much value in UNFCU other than at those extremely rare places that will void your signature transaction. And frankly, those places don't deserve any money from tourists anyway.

(Of course, if you prefer PIN over signature in general then the above doesn't apply and it's likely worth it to you to try to get some sort of PIN preferring card, even if there's a FTF.)

Something else that hasn't been definitively answered is why Americans seem to have so much trouble with chip and signature overseas while there are other countries that use it with no issues, presumably including when visiting Europe. My theory is that other chip and signature countries almost universally have PIN as a backup while most American cards don't have it at all. There could be some other reason though.
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Old Apr 13, 15, 5:00 pm
  #10847  
 
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Originally Posted by wco81 View Post
Well some companies clearly do not allow foreign cards.

For instance, if you ever get a SIM card for your phone in Europe, you can't use your US card to top off.

I guess mobile payments won't change that either. Different laws on credit cards results in different products being offered. For instance, EU limits fees that credit card companies can charge merchants so EU-issued credit cards don't have as many rewards.
I was able to top up a Vodafone Ireland SIM card online with my CapOne Quicksilver card. This was around December or January.
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Old Apr 13, 15, 5:01 pm
  #10848  
 
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Originally Posted by tmiw View Post
Something else that hasn't been definitively answered is why Americans seem to have so much trouble with chip and signature overseas while there are other countries that use it with no issues, presumably including when visiting Europe. My theory is that other chip and signature countries almost universally have PIN as a backup while most American cards don't have it at all. There could be some other reason though.
I think the reason is that Americans are obsessed with credit cards - this very thread is proof of it. As a European living in the US I find it hilarious that people are so concerned about a couple of kiosks not accepting their credit cards. Most Europeans couldn't care less - they would just use cash if their credit card fails. I think it is just different culture.
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Old Apr 13, 15, 5:03 pm
  #10849  
 
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Originally Posted by tmiw View Post
Except Visa doesn't appear to be enforcing no CVM acceptance nor do kiosk operators in Europe and elsewhere seem to care. So no, signature only cards (which seem to be the majority) will not work almost all the time, at least not without unsupported workarounds like using the cash advance PIN. That said, I'm not convinced that there's much value in UNFCU other than at those extremely rare places that will void your signature transaction. And frankly, those places don't deserve any money from tourists anyway.

(Of course, if you prefer PIN over signature in general then the above doesn't apply and it's likely worth it to you to try to get some sort of PIN preferring card, even if there's a FTF.)

Something else that hasn't been definitively answered is why Americans seem to have so much trouble with chip and signature overseas while there are other countries that use it with no issues, presumably including when visiting Europe. My theory is that other chip and signature countries almost universally have PIN as a backup while most American cards don't have it at all. There could be some other reason though.
Not sure I agree with your last paragraph. I suppose you're basing that statement on what we read here. The majority, not all of course, people who post here are from the United States. But one suspects, at least I do, that if a merchant doesn't want to accept chip and signature cards, that would be pretty much universal.
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Old Apr 13, 15, 5:14 pm
  #10850  
 
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Keep in mind you can use the points you earn from the UNFCU as statement credit. This method nets what is effectively .95% cashback so it almost negates the FTF.
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Old Apr 13, 15, 5:20 pm
  #10851  
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Originally Posted by rtwvagabond View Post
Keep in mind you can use the points you earn from the UNFCU as statement credit. This method nets what is effectively .95% cashback so it almost negates the FTF.
Isn't the minimum redemption rather steep?
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Old Apr 13, 15, 5:21 pm
  #10852  
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Originally Posted by JEFFJAGUAR View Post
Not sure I agree with your last paragraph. I suppose you're basing that statement on what we read here. The majority, not all of course, people who post here are from the United States. But one suspects, at least I do, that if a merchant doesn't want to accept chip and signature cards, that would be pretty much universal.
Those rare merchants will void C&S cards regardless of country, yes. However, C&S cards from other countries are more likely to have a PIN backup for kiosks so they might not have as many problems there as Americans.

Originally Posted by blaz View Post
I think the reason is that Americans are obsessed with credit cards - this very thread is proof of it. As a European living in the US I find it hilarious that people are so concerned about a couple of kiosks not accepting their credit cards. Most Europeans couldn't care less - they would just use cash if their credit card fails. I think it is just different culture.
A lot of younger people only use debit cards (because they can't qualify for credit cards or never felt like they needed them). If US chipped debit cards didn't mostly behave like chip and signature cards overseas as well it probably would help. I don't know if debit cards from other C&S countries are always chip and PIN or not though.
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Old Apr 13, 15, 5:52 pm
  #10853  
 
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Originally Posted by Points Scrounger View Post
Isn't the minimum redemption rather steep?
Yup, looks like it's ~10000 point min to use as statement credit. I'm just pointing it out because people moaned about the FTF. I haven't explored the other redemption options, so I don't know what would give you the optimal value for points.
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Old Apr 13, 15, 10:53 pm
  #10854  
 
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Regarding UNFCU's 1% FTF--I have been lobbying UNFCU to remove this as it is asinine. I have emailed the Board of Directors and various other people in the organisation and found out that they are looking into removing it, and I believe that they will, but I was told that since it means they will now have to cover the 1% fee for VISA instead of the members, it requires preparation as it represents another cost to the credit union. I was told to expect a solution in the last 6 months of this year--so sometime from June onwards they will probably remove the 1% fee as they said they know it is an annoyance to a lot of their members. If anyone wants to help the cause they are welcome to email the Board of Directors.
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Old Apr 13, 15, 11:37 pm
  #10855  
 
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Originally Posted by blaz View Post
I think the reason is that Americans are obsessed with credit cards - this very thread is proof of it. As a European living in the US I find it hilarious that people are so concerned about a couple of kiosks not accepting their credit cards. Most Europeans couldn't care less - they would just use cash if their credit card fails. I think it is just different culture.
I don't think so, here in the US credit cards matter a LOT to me. I'm moving to England soon, and aside from getting basic banking needs sorted, I couldn't care nearly as much there. Why? They don't give me an INCENTIVE to care, unlike banks in the US.
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Old Apr 14, 15, 4:52 am
  #10856  
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Credit card usage adds a couple of thousand tax free income to me. I am thus keen not to use cash or check where ever I can and instead use my highest cash back card. In highly regulated Euro zone, due to limits what credit card companies can charge, there is not much benefit to using a card. Card usage also reduces black money and thus tax collections do not go down like Greece, Italy etc.
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Old Apr 14, 15, 6:06 am
  #10857  
 
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Originally Posted by AllieKat View Post
I don't think so, here in the US credit cards matter a LOT to me. I'm moving to England soon, and aside from getting basic banking needs sorted, I couldn't care nearly as much there. Why? They don't give me an INCENTIVE to care, unlike banks in the US.
In fact, in Europe they give you incentive NOT to use credit cards. When I still had one, my European Mastercard had a 50 annual fee, zero rewards or benefits and no zero liability policy for fraud. I used my debit card (with PIN) everywhere and cash for smaller purchases. The only reason I even had a credit card was because Maestro debit cards are not widely accepted for purchases outside of select few European countries. Nowadays Maestro is getting phased out and many banks are switching to Visa debit cards, which can be used for online purchases or abroad.

Now that I am in the US, I obviously take advantage of all the rewards on credit cards. Still, I don't see why people get so upset when their credit card isn't accepted somewhere. Sure, it is a tiny inconvenience, but not the end of the world. I do find the signature requirement for chip and signature cards bizarre, because the signature adds absolutely no value (i.e. no security).
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Old Apr 14, 15, 6:40 am
  #10858  
 
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Life without credit cards? Please. I couldn't exist without them. It's not that long ago that many supermarkets would not take cards and I remember what a pain in the potuna it was to have to hit the ATM for cash and go into a supermarket. Now it's th4 norm in the USA that most everybody takes cards for most everything. We also had wonderful regulations that prohibited merchants from imposing minimum transaction rules (I've gone in and charged 83 for something) and prohibiting credit card surcharges which the moronic Durbin amendment outlawed (the regs prohibiting these anti consumer things I mean).

When travelling, who wants to bother with the hassle of dealing with foreign currencies. I've told this forum before, it is not unheard of me to spend a week in London, pull out 10 from an ATM (I have an enlightened bank which charges the correct fee for accessing my money i.e. $0 like in nothing so it's no problem pulling 10 out of an ATM and return home with that 10 bank note still stuffed in my wallet. Breakfast, sir? A stop at Tesco for some orange juice for 55p, a bottle of water for the day. Then to Mickey D. A bacon, cheese bagel and coffee with the orange juice (wouldn't pay Mickey D prices for oj)...a mid morning stop to pick up a bottle of diet coke cherry at Boots or Tesco or Sainsbury. Lunch? Marks and Spencer sandwich stop is fine or perhaps a pub lunch with a pint. Afternoon matinee at the theatre. Can you imagine, they want 3 for a small cup of ice cream at half time oops the interval. Me? Before the show a stop at some convenience shop for some nosh at half time. Dinner? Lots and lots of moderately priced restaurants all taking cards. On the way back to the hotel some nosh at a convenience store. Day after day, the same routine with whatever activities I want. Refill my oyster card. The machines work fine and take cards. Top up my British PAYG sim card? Convenience stores all glad to help out and will take my card. I just can't imagine living in medieval times like 1971 when I got out of college and began travelling and going down to the Amex office on the Haymarket to cash travelers cheques. Remember Karl Malden (don't leave home without them referring to Amex TC's (of course not mentioning the 1% fee and the awful exchange rates. Do you believe there are still people out there who think they should bring TC's. But of course, you needed at least 1 to pick up your mail at the Amex office. Now...we have e mail, mobile phones (I remember the fear and trepidation my parents had, may they rest in peace, the first time I called them in Florida from Great Britain using my Orange UK sim card for 3p/minute).

Making theatre or hotel reservations from home? Can you imagine life without being able to leave your cc number to ensure the reservation. (Of course, booking.com was a prime place where I am pretty sure my Amex account info was stolen last year inconveniencing me to change all the monthly payments but after that was done, life went on as before).

Now I do understand, of course, this is particular pretty much to London. Paris is a slightly different story especially in terms of small purchases (impossible is a French word I quickly learned). And Holland and Germany? Cash is king in those places. Using a credit card for a €3 purchase at McDonald's in either Holland or Germany? You have to be kidding.

Day to day living expenses at home? Well after the Chinese take out place down the street opened up a Square account, I frankly can't remember the last time I spent cash for anything. Parking meters in NYC? Charge them to my credit card. Metrocard refills? The same. Dry cleaners? The same. Yes. Life sure was different before we entered the 21st century. That's for sure.
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Old Apr 14, 15, 7:30 am
  #10859  
 
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Well in AMS last year, it was a huge hassle that the kiosks for the train tickets to Centraal wouldn't take my credit cards.

Only cash I had were notes so I had to drag my luggage into one of the stores to buy a candy bar to get change to use on the machine.

But then I was able to use my card at Centraal from kiosks which looked the same to buy transport passes.

And as I noted, the DB kiosks at MUC accepted my Chase Sapphire Preferred card but the ones at Hauptbahnhof would not for the return trip to the airport.

At least some kind of consistency would be welcome.

And a Visa card, regardless of where it was issued, should either work or not work on all machines.

But there must be some flag indicating the country in which it was issued.
wco81 is offline  
Old Apr 14, 15, 10:28 am
  #10860  
 
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Originally Posted by tmiw View Post
Those rare merchants will void C&S cards regardless of country, yes. However, C&S cards from other countries are more likely to have a PIN backup for kiosks so they might not have as many problems there as Americans.



A lot of younger people only use debit cards (because they can't qualify for credit cards or never felt like they needed them). If US chipped debit cards didn't mostly behave like chip and signature cards overseas as well it probably would help. I don't know if debit cards from other C&S countries are always chip and PIN or not though.
Both my Wells Fargo and my BofA debit cards are chipped, and they behave exactly like a European Chip & PIN card when the card is being ran as debit, and the terminal is EMV enabled.

But if you run it as credit it behaves like a regular C&S card. Now traveling with these cards, I'm wondering if the debit online PIN will be accepted at machines that ask for a PIN abroad. I know in most cases, the card will behave like a C&S card abroad.
RedLight2015 is offline  

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