American Express EMV Request

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
40 posts
lexrj
Centurion Member
Centurion Member
 
Posts: 169
Joined: Fri Sep 14, 2012 12:59 pm
Location: San Diego

Postby lexrj » Fri Jan 17, 2014 12:59 am

Really don't see the point at all of getting EMV chip&sig cards. I'll either get a EMV chip&pin or a non EMV card.
Can someone point out any advantage of chip&sig?
---------------------------------------
Current in my Wallet
Amex BCP - 25K (02/12)
Barclaycard Arrival WMC - 15K (10/13)

Future
US Bank Cash +

Socks drawer
Crap One Quicksilver - 1.7K (04/11)
CSP - 15K (03/13)

Scores
FICO EX 772 / TU 765 / EQ 762 - (09/14)
AAoA 2.1


samhradh
Centurion Member
Centurion Member
 
Posts: 388
Joined: Thu Nov 21, 2013 1:13 pm
Location: United States

Postby samhradh » Fri Jan 17, 2014 7:42 am

lexrj wrote:Can someone point out any advantage of chip&sig?


You can use the EMV chip cards in Europe where they do chip & pin. AFAI c&s = c&p it's just that here we still sign as opposed to use the pin.
Citi Forward ($10.1K), AmEx Blue Cash Everyday ($30K), Chase Freedom ($12.4K), Discover it ($5.5K), Barclaycard Arrival ($12.5K), L.L. Bean Visa ($5K). FICO 806 (TU), 812 (EQ), 806 (EX).

takeshi
Centurion Member
Centurion Member
 
Posts: 1733
Joined: Wed Jun 05, 2013 3:12 pm
Location: US

Postby takeshi » Fri Jan 17, 2014 10:45 am

Chip & PIN can be used with unmanned payment terminals. Chip & sig cannot. However, chip & sig cards can still be used at other EMV terminals. There are still security benefits to chip & sig versus mag stripe.

chas0039
Platinum Member
Platinum Member
 
Posts: 82
Joined: Sat Dec 28, 2013 5:56 pm
Location: Excelsior

Postby chas0039 » Fri Jan 17, 2014 5:24 pm

Four trys, not avaiable. If some have got it on ZYNC I really wonder what is going on?? 15 years with them and this is a first.

CC Deville
Centurion Member
Centurion Member
 
Posts: 1075
Joined: Thu Aug 04, 2011 7:07 pm
Location: Phoenix

Postby CC Deville » Fri Jan 17, 2014 8:17 pm

chas0039 wrote:Four trys, not avaiable. If some have got it on ZYNC I really wonder what is going on?? 15 years with them and this is a first.


I don't have a picture of my ZYNC with EMV, but someone here was nice enough to post his:

http://creditcardforum.com/american-express/8291-emv-chip-now-available-gold-7.html

They do exist and I am puzzled as to why AMEX is giving you such a hard time. Have you tried to initiate a chat via online account management? If that does not work, I would suggest sending them a message requesting a call on their Twitter or Facebook page so that a higher up rep can call you and get this straightened out. It is ridiculous that I got one on the first try for my discontinued ZYNC with absolutely no usage during 2013 other than the $25 annual fee and you can't get one on a higher level card with (I assume) regular usage.

The only explanation that I can think of is that they are holding off on cardholder initiated requests because they are planning on a full roll out soon but that is a stretch. I requested mine in November 2013.

lexrj
Centurion Member
Centurion Member
 
Posts: 169
Joined: Fri Sep 14, 2012 12:59 pm
Location: San Diego

Postby lexrj » Fri Jan 17, 2014 9:29 pm

samhradh wrote:You can use the EMV chip cards in Europe where they do chip & pin. AFAI c&s = c&p it's just that here we still sign as opposed to use the pin.


Tried chip&sig in 6 dif. european countries last yr, worked the same as my no chip cards.
---------------------------------------
Current in my Wallet
Amex BCP - 25K (02/12)
Barclaycard Arrival WMC - 15K (10/13)

Future
US Bank Cash +

Socks drawer
Crap One Quicksilver - 1.7K (04/11)
CSP - 15K (03/13)

Scores
FICO EX 772 / TU 765 / EQ 762 - (09/14)
AAoA 2.1

flan
Centurion Member
Centurion Member
 
Posts: 387
Joined: Tue Apr 09, 2013 10:16 pm
Location: chicago

Postby flan » Fri Jan 17, 2014 9:50 pm

samhradh wrote:You can use the EMV chip cards in Europe where they do chip & pin. AFAI c&s = c&p it's just that here we still sign as opposed to use the pin.


No. Chip & signature is not the same as chip & pin. with c&s, the merchant is supposed to verify the signature, same as now. C&P requires a pin; no pin, no transaction. C&P isn't likely to become terribly common in the US, consumers won't like it, and we don't pay fraud costs. EMV cards are rather harder (not impossible, and it'll get easier and cheaper) to copy than mag stripe cards are, so it'll reduce card present fraud. Won't do much about mail and internet fraud, though.

When you put an EMV equipped card into an EMV reader, the card and the reader negotiate on what protocol to use. Cards can be C&S only, C&P only, C&S w/ C&P as a fall back, or C&P w/ C&S as a fallback. Readers are the same way. there can be additional rules in effect, like "Is the transaction over $X", "Have we done Y transactions since we've forced a pin?", "is it tuesday?", and quite a lot more.

Expect most US readers to do C&S by default, but take C&P if the card wants to insist. Expect most US cards to be C&S only, with some cards aimed at travelers C&S prefered with C&P available where it's required. (C&S cards are currently a lot cheaper than C&P enabled cards. That will change, but we can hope something better and faster comes along quickly.)

travisrauh
Centurion Member
Centurion Member
 
Posts: 167
Joined: Sat Aug 17, 2013 1:01 pm
Location: Fort Lauderdale, FL

Postby travisrauh » Fri Jan 17, 2014 10:06 pm

chas0039 wrote:Four trys, not avaiable. If some have got it on ZYNC I really wonder what is going on?? 15 years with them and this is a first.


Chas0039,

I do apologise for the difficulty that you're experiencing trying to get Chip & Signature on your ZYNC Card. Please check your inbox when you have a moment.
I am an employee of American Express. All posts are those of my own and do not reflect the actions or opinions of AXP. While all efforts are made to ensure accuracy in my posts, for official statements or responses, please consult with @AskAmex on Twitter or dial the number on the back of your card.

chas0039
Platinum Member
Platinum Member
 
Posts: 82
Joined: Sat Dec 28, 2013 5:56 pm
Location: Excelsior

Postby chas0039 » Sat Jan 18, 2014 3:17 pm

travisrauh wrote:Chas0039,

I do apologize for the difficulty that you're experiencing trying to get Chip & Signature on your ZYNC Card. Please check your inbox when you have a moment.


Well, I have to publicly thank Travis for going out of his way to fix this issue. Within minutes, he called me and very quickly added the chip to my cards.

Travis, thank you so much for what I can only say is exceptional customer service. You are truly what I have come to realize over the years is the culture of AmEx customer service. It may have been business as usual for you, but it is the the number one reason I pay extra and carry and American Express card.

travisrauh
Centurion Member
Centurion Member
 
Posts: 167
Joined: Sat Aug 17, 2013 1:01 pm
Location: Fort Lauderdale, FL

Postby travisrauh » Sat Jan 18, 2014 9:37 pm

My sincerest pleasure - sorry again for all of the trouble you went through! Looking forward to downloading that book :-)
I am an employee of American Express. All posts are those of my own and do not reflect the actions or opinions of AXP. While all efforts are made to ensure accuracy in my posts, for official statements or responses, please consult with @AskAmex on Twitter or dial the number on the back of your card.



Return to “American Express”

Who is online

Users browsing this forum: No registered users and 2 guests