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CC Deville
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Postby CC Deville » Sat Jan 05, 2013 8:03 pm

ph1993 wrote:Really cannot believe this. We've had the visible chips and contactless payment chips on all our cards (inc. AmEx) in the UK for years. There's no such thing as 'swipe and sign' anymore. It makes you too vulnerable to fraud.


For this, you have to understand why Europe converted in the first place: 1) we may have gun violence here in the States but you Europeans are downright shady when it comes to credit card fraud; 2) mag strips "call home" to the bank for approval; Europe taxes the crap out of everything and made those calls outrageously expensive (not so much here in the States) and 3) you all don't have nearly the amount of places that accept cards as the US (nor do Europeans use cards as much as we do) and therefore, it was cheaper and easier for Europe to convert to EMV. So...there was really no reason for the largest credit and debit card country to switch. Even a few years ago it was widely known that eventually payments via Smart Phones would replace a lot of physical cards...therefore, the US was trying to avoid the middle step which is EMV-itself 20 year old technology-and skip straight to the Smart phone "contactless" payments.

We are all terribly impressed with The Continent's EMV technology and we are catching up now that Visa, MasterCard, Discover and Amex have all finally gotten on board. And really, WORLDWIDE, Amex has been the last to adopt EMV so you shouldn't be so shocked to learn that we don't have EMV capable Amex's yet.


Reclusive46
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Postby Reclusive46 » Sun Jan 06, 2013 2:51 am

CC Deville wrote:For this, you have to understand why Europe converted in the first place: 1) we may have gun violence here in the States but you Europeans are downright shady when it comes to credit card fraud; 2) mag strips "call home" to the bank for approval; Europe taxes the crap out of everything and made those calls outrageously expensive (not so much here in the States) and 3) you all don't have nearly the amount of places that accept cards as the US (nor do Europeans use cards as much as we do) and therefore, it was cheaper and easier for Europe to convert to EMV. So...there was really no reason for the largest credit and debit card country to switch. Even a few years ago it was widely known that eventually payments via Smart Phones would replace a lot of physical cards...therefore, the US was trying to avoid the middle step which is EMV-itself 20 year old technology-and skip straight to the Smart phone "contactless" payments.

We are all terribly impressed with The Continent's EMV technology and we are catching up now that Visa, MasterCard, Discover and Amex have all finally gotten on board. And really, WORLDWIDE, Amex has been the last to adopt EMV so you shouldn't be so shocked to learn that we don't have EMV capable Amex's yet.


I agree with most of that. As when Chip and Pin was rolled out, a lot of transactions were still done offline. These days almost all are now done online but I disagree with credit card use in Europe bit. Some countries like the UK use their cards for pretty much everything, just like in the US.
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PlatinumAMEX94
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Postby PlatinumAMEX94 » Sun Jan 06, 2013 2:51 pm

Rory wrote:what does it look like now? the "chips" always take away from the aesthetic value of the card IMO and are quite corrosive i've noticed. Used to have an old atm card from a dutch bank that had a chip in it. Its all rusted and gross now. Hope they choose more resistant metals this time around.


I just updated my avatar with my new EMV card. I think it looks pretty cool.
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websteth
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Postby websteth » Sun Jan 06, 2013 2:53 pm

I've gotten a few looks when I use my EMV American Express. Most ask where I'm visiting from. I guess people aren't used to seeing the chip except from world travelers.
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Rory
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Postby Rory » Sun Jan 06, 2013 3:29 pm

im in amsterdam on vacation and i have noticed a significant lack of acceptance or even usability without the chip. Outside of touristy areas it is absolutely hopeless to even use my cards for anything.

The dutch are frugal people and have a deep seated hatred for credit cards and any sort of debt. I dont know if this is a big factor for why they choose not to even allow or have the ability to use swipe cards anymore but it is downright annoying. They can dust off the old rolling machines if they have to, i hate having to carry foreign cash. They are killing the tourism to outlying areas by being like this.
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