New PGR no chip

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
17 posts
haikuginger
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Postby haikuginger » Mon Mar 24, 2014 8:26 am

Kaiokenryu wrote:Also the CSR said that i can't opt out of emv.......what are some reasons one would not want chip in the card?


It's not so much a reason that you wouldn't want an EMV card, but a reason vendors might not want you to. With EMV, the credit card industry is adopting a liability shift, so that if you have an EMV card, but it gets run with the magnetic stripe, the merchant would now be responsible for any fraud that happens as a result of that. Once EMV gets activated on your account, Amex wants you to keep it so that when the liability shift happens, they'll be all set to blame someone else in case of fraud.


rockyrock
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Postby rockyrock » Mon Mar 24, 2014 8:51 am

travisrauh wrote:That would be perfectly acceptable. Did you encounter any pushback or other difficulty ordering Chip & Signature? If so, are you able to tell me for which of your cards and approximately when you ordered?


So far I have only requested it for my Platinum. If I recall correctly I did so last spring and I had no difficulty at all. To be sure I would have to look at older posts in this forum, I wrote about it...
American Express (2005): Premier Rewards Gold & Blue Cash Preferred
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GoCreditGo!
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Postby GoCreditGo! » Mon Mar 24, 2014 10:16 am

I'm curious about why one would not want the chip, except that entering the pin is annoying and might actually transfer the risk to the user (us) - ie. if the correct pin is entered they are not liable for the charges.

Kaiokenryu wrote:I have a discontinued Amex and tonight....I just requested a chip version.....i"m getting it in two days.

Also the CSR said that i can't opt out of emv.......what are some reasons one would not want chip in the card?

Reclusive46
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Postby Reclusive46 » Mon Mar 24, 2014 12:30 pm

GoCreditGo! wrote:I'm curious about why one would not want the chip, except that entering the pin is annoying and might actually transfer the risk to the user (us) - ie. if the correct pin is entered they are not liable for the charges.


Since they are Chip and Signature, thats doesn't apply anyway.

The only reason people might regret switching is that some automated terminals that would take Magnetic stripe cards here in Europe won't take these US amex chip cards.

American Express has cut corners in the US and hasn't implemented its own chip standard properly. They basically just put a copy of the magnetic stripe data on the chip (Slightly different numbers). This can confuse some chip terminals and it will decline the card (Or just ask the cashier to swipe the card on manned terminals). Italian tolls are a good example of this, will take Chip Amex cards from other countries, will take magnetic stripe Amex cards but won't take US C&S cards.
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CalAlumnus13
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Postby CalAlumnus13 » Tue Mar 25, 2014 11:52 am

travisrauh wrote:That would be perfectly acceptable. Did you encounter any pushback or other difficulty ordering Chip & Signature? If so, are you able to tell me for which of your cards and approximately when you ordered?


I don't really need Chip & Signature, but I sort of wanted it, so I initiated an online chat earlier today.

I asked if it was available for my PRG and HHonors cards, since I'd be traveling internationally in a few months. After the verification questions and a delay, the CSR said it was available---but didn't offer to send them to me. I then asked how I would get them, and the CSR said I could request them when I needed them. Again, didn't offer to send them.

The sense I got was that the CSR wasn't eager to send them out, and only wanted to do so if/when I really needed the Chip & Sig cards. Perhaps it's because these were new accounts and they didn't want to pay to overnight cards again? I wouldn't have requested overnighting, though.

Anyway, just sharing my experience. I didn't submit a request for Chip & Sig cards.
Wallet: AMEX Premier Rewards Gold NPSL | BankAmericard Cash Rewards (Cal Alumni Association) $9.6k | Chase Sapphire Preferred $5k | Capital One Venture $5k | Chase Freedom $3k

Drawer: Discover IT $10k | Chase Slate $6k | BankAmericard $5.9k | Capital One Quicksilver $4.5k | AMEX Hilton HHonors $4.4k

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luvbullmarkets
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Postby luvbullmarkets » Sun Mar 30, 2014 6:29 pm

travisrauh wrote:Just to clarify, you don't need an excuse if you want Chip & Signature. Just ask and we'll send it right out.


Earlier this afternoon (3/30) I called customer service requesting for a chip replacement card. The CSR specifically asked "will you be traveling abroad sir?" I paused and answered him yes. Mind you this was on a Sunday afternoon dealing with an obvious South Asian CSR.

I guess the CSR's just have to ask for the reason when issuing chip cards.
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Kaiokenryu
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Postby Kaiokenryu » Sun Mar 30, 2014 7:52 pm

I find it interesting how Amex can, at will, make a new card with emv and over night it to you......but chase isn't dealing with emv switch over. I tried to get my Ink Plus with EMV and the csr told me they have wayyy to many customers to just replace cards for that reason.

I found that a little off putting....but took it in stride. 32 hours after I spoke to amex csr......i heard UPS pull in my cul-de-sac ad I greeted him at the door for my new amex. I was very impressed.



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