I've got a chip on my shoulder...

For just about anything you want to get off your chest about credit cards.
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CarefulBuilder14
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Postby CarefulBuilder14 » Mon Sep 15, 2014 11:08 am

takeshi wrote:Make no sense to me. EMV isn't earned nor is it analogous to the Centurion. It's just being rolled out and whether one received EMV or not has nothing to do with one's qualifications, spend, etc.


There was a bit of exaggeration there. It does have to do somewhat with 'qualifications', though. Some issuers like BofA may put them in most cards, but until recently Chase was only putting them in CSP and the private banking cards. Not the lower-tier (and no AF) Freedom or Slate.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when


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kcm7
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Postby kcm7 » Mon Sep 15, 2014 11:25 am

Until about a month ago, the only EMV card I had was my Citi Aadvantage. I decided the annual fee wasn't worth it to me, so I cancelled -- although I admit it hurt a bit to get rid of the only EMV card in my wallet. Especially because I'm traveling overseas in less than a month. My plan is to do what I usually do -- go cash-only for the trip and get money from the ATM with my magnetic stripe debit card. Hopefully I won't wind up in a pickle where I NEED to use a credit card and NEED it to be EMV.

Honestly, in all the travels overseas I've done in the past couple years, my credit cards (emv or otherwise) never left my wallet anyway. The entire time I had the Aadvantage card, I never got to use it for as an EMV card, either in the states or abroad.
Cards:

-Capital One Quicksilver
-Barclaycard Arrival (no AF)
- US Bank (no rewards)
-IHG

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CarefulBuilder14
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Postby CarefulBuilder14 » Mon Sep 15, 2014 11:58 am

kcm7 wrote:Honestly, in all the travels overseas I've done in the past couple years, my credit cards (emv or otherwise) never left my wallet anyway. The entire time I had the Aadvantage card, I never got to use it for as an EMV card, either in the states or abroad.


Which countries did you visit? Did merchants hesitate or refuse to accept credit cards in general? Or they thought banks in the US might be difficult to win a dispute against? Or you just found cash to be simpler?
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

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kcm7
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Postby kcm7 » Mon Sep 15, 2014 1:12 pm

CarefulBuilder14 wrote:Which countries did you visit? Did merchants hesitate or refuse to accept credit cards in general? Or they thought banks in the US might be difficult to win a dispute against? Or you just found cash to be simpler?


Various European countries (England, Netherlands, Italy, with airport stops in some others). Most businesses and restaurants don't accept credit cards (of any variety), or at least said they didn't. Most people do day-to-day transactions via cash. So I had to always carry a lot of cash anyway.

As for hotels and hostels, most were prepaid (I'd booked them in advance from home before leaving), so no need for a card there. For the few I didn't prepay, the hotels that took card had no problem accepting mag stripe (so I opted to use my mag stripe Barclaycard Arrival to get the double rewards on hotels, rather than my AAdvantage EMV card). Still, I tried to pay with cash for hostels and hotels whenever possible, since many charged a 5% fee for using a credit card (of any kind).

In airports and gift shops in touristy areas, I noticed other travelers paying with magnetic stripe cards, but I myself used cash, since I was buying only snacks and bottled water and had a ton of heavy Euro coins to unload.

The closest I came to using my EMV card was at the unmanned ticket dispenser in Berlin, but I instead bought a one-week pass from my hostel when I checked in.

If I were spending TONS of money on souvenirs at gift shops and clothing stores, I would have probably needed my EMV card (to avoid carrying so much cash). But I don't buy souvenirs.
Cards:

-Capital One Quicksilver
-Barclaycard Arrival (no AF)
- US Bank (no rewards)
-IHG

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CarefulBuilder14
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Postby CarefulBuilder14 » Mon Sep 15, 2014 7:07 pm

I haven't been to Europe since I started getting credit, but I used cash in a money belt everywhere. I was in Euro territory the whole time, so didn't have to worry about getting GB Pounds or Swiss Francs. Were I to need several different currencies, I would want to use plastic as much as possible, even with a 5% fee.

Maybe Discover will have Chip+PIN by the next time I go there. It figures that the one card I have without FTF (and no AF as well) is totally unavailable with a chip.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when



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