Swipe & Pin? Is that an option?
Aug 29, 2017, 8:03 pm
#1
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Swipe & Pin? Is that an option?
I went to a Carrefour in Poland and wanted to use my Citi-issued Amex with no chip to pay for the transaction. I swiped the card and when prompted to enter a PIN, I asked the rep to override it, she had no clue how to do that, so I used a different payment method. Would the ATM PIN work? What's your experience?
Aug 30, 2017, 1:57 am
#2
Join Date: Nov 2012
Posts: 3,537
Swipe and PIN is common in Eastern Europe. While there is a service code option for PIN it's generally ignored and terminal configuration is used instead (unlike a chip card where the chip is almost always obeyed).
Your ATM PIN should work.
Your ATM PIN should work.
Aug 30, 2017, 12:48 pm
#3
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The question is not just whether the ATM PIN would work, the question is also whether using the ATM PIN would keep it as a purchase, rather than cash advance.
Without knowing local transaction customs (do most people there use credit cards or debit cards) I don't know if it's safe to assume that it would definitely code as a purchase if it's asking for a PIN from a swipe.
Without knowing local transaction customs (do most people there use credit cards or debit cards) I don't know if it's safe to assume that it would definitely code as a purchase if it's asking for a PIN from a swipe.
Aug 30, 2017, 1:00 pm
#4
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Location: LAS/GRU/DUB
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The question is not just whether the ATM PIN would work, the question is also whether using the ATM PIN would keep it as a purchase, rather than cash advance.
Without knowing local transaction customs (do most people there use credit cards or debit cards) I don't know if it's safe to assume that it would definitely code as a purchase if it's asking for a PIN from a swipe.
Without knowing local transaction customs (do most people there use credit cards or debit cards) I don't know if it's safe to assume that it would definitely code as a purchase if it's asking for a PIN from a swipe.
Aug 30, 2017, 2:16 pm
#5
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The question is not just whether the ATM PIN would work, the question is also whether using the ATM PIN would keep it as a purchase, rather than cash advance.
Without knowing local transaction customs (do most people there use credit cards or debit cards) I don't know if it's safe to assume that it would definitely code as a purchase if it's asking for a PIN from a swipe.
Without knowing local transaction customs (do most people there use credit cards or debit cards) I don't know if it's safe to assume that it would definitely code as a purchase if it's asking for a PIN from a swipe.
Aug 30, 2017, 2:24 pm
#6
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Swipe & PIN is very familiar to Americans, it's how we have used debit cards for a long while and, in a sense, it's how we dispense self-service gasoline.
Has anyone actually verified that a credit card purchase was categorized as a cash advance because an ATM PIN was used at a POS terminal?
Has anyone actually verified that a credit card purchase was categorized as a cash advance because an ATM PIN was used at a POS terminal?
Aug 30, 2017, 3:08 pm
#7
Original Poster
Join Date: Nov 2009
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Posts: 365
Aug 30, 2017, 3:48 pm
#8
Join Date: Nov 2012
Posts: 3,537
The question is not just whether the ATM PIN would work, the question is also whether using the ATM PIN would keep it as a purchase, rather than cash advance.
Without knowing local transaction customs (do most people there use credit cards or debit cards) I don't know if it's safe to assume that it would definitely code as a purchase if it's asking for a PIN from a swipe.
Without knowing local transaction customs (do most people there use credit cards or debit cards) I don't know if it's safe to assume that it would definitely code as a purchase if it's asking for a PIN from a swipe.
Aug 30, 2017, 4:32 pm
#9
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Sep 1, 2017, 1:27 am
#13
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Most people run their debit cards as credit now; thus, bypassing the PIN, and many banks are encouraging the "sign" or non-debit network method of paying.
While what you said is right, I think choosing PIN is a poor option for those using a card to buy gas due to debit holds, more liability, etc.
Sep 1, 2017, 7:38 am
#14
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That is exactly what I meant by: in a sense, it's how we dispense self-service . We swipe a credit card and enter a five digit string of numerals rather than signing. (I've never used a debit card to purchase gasoline. Come to think of it I may have never used a debit card to buy anything.)
Sep 1, 2017, 8:43 am
#15
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I wouldn't say that's always the case. For example, I received a new Chase business debit card recently and the paperwork that came with it actually said to enter the PIN whenever prompted.