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Originally Posted by Majuki
(Post 27568530)
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? |
Originally Posted by Magic Pickles
(Post 27568687)
Alternatively, you can initiate payment from your external bank's payment service so you can be in control of when to pay.
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Originally Posted by Majuki
(Post 27568530)
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? Even if there were some fraudulent charges, you still have to pay the balance that isn't disputed, and autopay takes that into account... ? |
Originally Posted by patrick.barnes
(Post 27569894)
Even if there were some fraudulent charges, you still have to pay the balance that isn't disputed, and autopay takes that into account... ?
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. |
Originally Posted by Majuki
(Post 27571073)
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. |
Originally Posted by Majuki
(Post 27571073)
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. |
UnionPay chip in the US is interesting because they have published standards for it but my understanding is the network isn't there yet. Even once it is I imagine only the likes of Walmart will support it.
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Would be interesting to see a cardpeek read out of the card.
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Originally Posted by AllieKat
(Post 27571402)
UnionPay chip in the US is interesting because they have published standards for it but my understanding is the network isn't there yet. Even once it is I imagine only the likes of Walmart will support it.
Originally Posted by patrick.barnes
(Post 27571462)
Would be interesting to see a cardpeek read out of the card.
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Originally Posted by patrick.barnes
(Post 27571462)
Would be interesting to see a cardpeek read out of the card.
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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. ^
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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.
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Originally Posted by uklevi
(Post 27592969)
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. |
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. |
Originally Posted by uklevi
(Post 27604108)
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?....
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