USA chip cards used overseas with a PIN?

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yticolev
 
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USA chip cards used overseas with a PIN?

Postby yticolev » Tue Dec 29, 2015 6:02 pm

New USA issued credit cards are chip and signature. Everywhere else the standard is chip and PIN. I recently added a new Capital One rewards card and they sent me a PIN. 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.

I've used my Capital 360 debit card with a MC logo in Europe successfully not only at ATMs, but also at POS. That is different from a pure credit card of course. 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?


takeshi
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Re: USA chip cards used overseas with a PIN?

Postby takeshi » Wed Dec 30, 2015 8:46 am

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.

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Re: USA chip cards used overseas with a PIN?

Postby Vermonster » Wed Dec 30, 2015 2:48 pm

Chip+Sig cards will not work as Chip+pin. You will most likely be able to use a Chip+sig card anywhere there is a human. You will tend to run into issues with automated machines. We had issues on the toll roads, and some parking machines in Italy this summer. Your 360 debit card works because it doesn't have a chip, so it can be swiped as normal. If the card has a chip the machine will force it to be inserted, not swiped. But all debit cards will be switched over to chipped versions soon.
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thom02099
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Re: USA chip cards used overseas with a PIN?

Postby thom02099 » Thu Dec 31, 2015 4:19 pm

There are some Chip & PIN cards in the USA.

Wells Fargo Propel World and Propel 365 AMEX cards are both Chip & PIN

Diners Club Elite and Premiere Cards are also both Chip & PIN (though it's no longer available to apply for, those of us who have one can use Chip & PIN)
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CarefulBuilder14
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Re: USA chip cards used overseas with a PIN?

Postby CarefulBuilder14 » Thu Dec 31, 2015 4:46 pm

thom02099 wrote:There are some Chip & PIN cards in the USA.

Wells Fargo Propel World and Propel 365 AMEX cards are both Chip & PIN

Diners Club Elite and Premiere Cards are also both Chip & PIN (though it's no longer available to apply for, those of us who have one can use Chip & PIN)

https://www.wellsfargo.com/chip-card/
The FAQs on that website make it sound like Wells Fargo credit cards are signature priority...with what I'm assuming to be an online-only PIN backup.
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