yticolev wrote:I called customer service to change the PIN and was informed that the PIN would only work in ATMs, not at merchant POS. She was adamant that that was correct. I'm not so sure and don't understand why that would be so.
Because it's a chip & signature card. The PIN for cash withdrawals does not turn a chip & signature card into a chip & PIN card. They're entirely different PIN's.
yticolev wrote:I'm wondering if anyone here knows if USA chip and signature cards can be used with a PIN overseas and specifically Capital One issued ones?
There is no such PIN with a chip & signature card. Some terminals can handle a chip & signature card. Some cannot.
It can get even more confusing with debit cards. Your debit card has a PIN but if it's chip & signature then that PIN isn't for EMV transactions either. If you make a debit purchase then you may need to use that PIN but it's still not chip & PIN since that's not the EMV PIN but the debit PIN. If processed as credit no signature may be required for transactions under a certain amount depending on merchant while a signature may be required for purchases about that amount.