Discover cards with Chip & PIN!!!

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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rockyrock
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Postby rockyrock » Sun Nov 02, 2014 11:10 pm

I have a card that used to have an offline PIN that was issued to me. Now it has changed and I can pick my own PIN online at the bank website. I use that card the most b/c it has a PIN--I find it much more convenient and just as fast as C&Sig. C&PIN is almost no different than using a debit card with a PIN as far as time consumption is concerned.

Different strokes for different folks.
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Postby kelvSYC » Mon Nov 03, 2014 7:59 pm

I'm going to weigh in on this. Being from Canada, where EMV and Chip and PIN technology has been implemented for years, I much prefer PIN over signature due to surprisingly many offline terminals in Canada (with an online terminal, there's no difference crypto-wise, but I prefer PIN due to consistency). Also, at least with my cards I can pick six-digit PINs.

It's basically why I keep a foreign credit card, really. I do not ever use any of my American cards when travelling abroad (except for the few times I tried out my Discover card in Hong Kong); the fact that none had EMV at the time made me feel like a target.

I'm all for Discover being PIN over signature; I think it will encourage the use of Discover in more places. Now, if only Discover in Hong Kong processes over China UnionPay rather than Diners Club... but that's something entirely different.
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Postby Nixon » Tue Nov 04, 2014 3:24 am

MB131174 wrote:I was just advised by Discover that in December they will offer Chip & PIN. I asked if it would be PIN or Siggy & the nice lady said it would be PIN.


Not too thrilled with PIN, but it seems like they have that part down with their new Discover Checking cards. I goofed and forgot my PIN the other day and was therefore unable to partake in 6% on a slice of Sam's Pizza :(
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PlyrStar93
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Postby PlyrStar93 » Tue Nov 04, 2014 12:26 pm

It wouldn't be way TOO hard for me to manage 4-digit PINs if they carry out Chip+PIN I guess. Back in my home country, bank cards are always equipped with PINs of 6 digits. Even if I use my Visa or Discover cards there (without PIN), the terminal would still prompt me to enter PIN (which I can press OK directly without entering). In the restaurant occasion, the service person just hands in the terminal if I decide to pay with card.

When I got my first American card, I got used to signatures. Just felt like no one would be in close proximity when I enter passwords, as I tend to feel uncomfortable if anyone looks at me to enter sensitive information. Felt like PIN was not necessary as if I lose my card I'll just report it as lost so my bank can suspend it.

I have seen several articles saying a PIN was not as safe, when in my home country. They claimed that if the bank saw a transaction went through by PIN, then it would be impossible to get the money back if fraud/lost card/etc. happened, so it suggested cancelling PIN and just use signature. They also claimed the majority of the world use signature.

Later on, I learned Chip+PIN was widely used in Europe so I began rethinking the question. But anyways, that would be the first time ever in America when I have to enter PIN for a purchase here if they roll out Chip+PIN. Chip+Signature would be fast in some cases, like when signature was not required - the transaction would only incur an insertion. Some supermarkets/stores require signatures no matter how small the transaction is, so that would make me dumb. In that case PIN might be faster than signature, but hopefully it's not Chip+PIN+Signature case (PIN and signature sometimes are both required in my home country, but I don't expect that to happen here).

But as far as memorizing, I have to see how it goes since that's something I have always been doing in the past, and just like now I remember my card numbers and CVVs. And I would expect they allow changing PINs online and/or over the phone. I know that I can change cash advance PINs by phone at least for Chase/AMEX and online at least for Discover. Then put the card in any ATM and it can recognize the new PIN (I never get cash advances, only do inquiries). For purchase PINs I would expect the similar. Haven't looked into the online/offline POS issue, though.
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Postby websteth » Sun Nov 16, 2014 10:08 am

Called today about this and was Told that I can call back starting 23 November to request the Chip.
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Postby benhollberg » Sun Nov 16, 2014 1:40 pm

Is it possible to be just Chip and Signature? Probably not, but I would rather not use PIN as I see it as an inconvenience over only requiring a signature.
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websteth
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Postby websteth » Sun Nov 16, 2014 2:15 pm

benhollberg wrote:Is it possible to be just Chip and Signature? Probably not, but I would rather not use PIN as I see it as an inconvenience over only requiring a signature.


I'd take PIN over signature anyday personally. It's far more secure. When was the last time you actually had someone verify your signature?
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lobbythis
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Postby lobbythis » Sun Nov 16, 2014 2:20 pm

websteth wrote:Called today about this and was Told that I can call back starting 23 November to request the Chip.


Thanks for the update. Will be calling for sure.

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Postby MB131174 » Sun Nov 16, 2014 2:30 pm

websteth wrote:I'd take PIN over signature anyday personally. It's far more secure. When was the last time you actually had someone verify your signature?


THIS = +1. Another dead horse to beat is the time it takes to enter a PIN vs give up your siggy. I have a couple chip & siggy cards and my Diners Club is chip & PIN. Regardless of card, the ones requiring siggy seem to take an eternity to process and approve, THEN give your siggy. The PIN card verification is so much faster. The PIN card I have (plus I've seen PIN transactions numerous times in person by others in Europe) is back in my wallet faster than a siggy card getting the initial OK to process the transaction. I think once people see how much more efficient PIN is over siggy they'll change their tune.
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flan
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Postby flan » Sun Nov 16, 2014 7:18 pm

websteth wrote:I'd take PIN over signature anyday personally. It's far more secure. When was the last time you actually had someone verify your signature?


When was the last time you had some forge your signature USING YOUR CARD?

That's the only sort of fraud pin protects against, since chiped cards are hard to clone. (And, if you can clone them, you can deal with pin...) PIN is security theatre, and the costs way out weigh the benefits.



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