Why is it so hard to get an EMV-chip cant???

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Sevenfeet
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Why is it so hard to get an EMV-chip cant???

Postby Sevenfeet » Sat Feb 16, 2013 1:21 pm

OK, minor customer service rant here. As many of you know, the EMV chip is the "new" security standard that is rolling out to cardholders over the next few years in order to beef up fraud security with credit cards. I say "new" because this standard has been in place in Europe and other parts of the world for years now.

When I began reading this forum last month I found out that American Express was rolling out EMV enabled cards to a limited number of customer, i.e., the customers likely to travel overseas. In this case, that meant the Centurion and Platinum customers (Amex should also prioritize the Corporate Card customers since that's the card I use for business travel and most likely to be used by me overseas). Since I carry a Platinum card, I called Amex to ask about getting one. "Oh sure, we can do that", the customer services rep told me over the phone. And so in a few days the new cards came for myself and my wife....without the EMV chip.

OK, there was a screwup, I told myself so I called Amex back. They apologized and decided to FedEx me the right cards. The next day the new cards showed up, this time with the appropriate EMV jewelry.

At the same time, I was in the process of changing my old BofA World Mastercard to a Cash Rewards card product. This also required a change of my card number. During the process, the customer services rep asked "Do you want the new EMV security feature?" "Absolutely!" I said, happy that they offered it without me even having to bring it up. BofA card procurement takes longer so after a little more than a week, the new card came...without the EMV chip.

"Really? Again??" I said. Well I called BofA again and explained that despite that we had explicitly discussed the EMV chip being on my cards that the new Cash Rewards card came without it. They apologized and sent out new cards. Again, a week goes by and the new cards game. But this time the mistake was worse. This time I got a new....World Mastercard. Yes, my old points product. It even had my old number. And of course, no EMV jewelry (not that I was expecting it at this point).

OK, this was beyond screwup. I didn't even know it was possible for card services procurement to send out new cards on an account number that had been closed. A bit more miffed, I called BofA back with an incredulous "What the hell?" So to get me and my rant off the phone, the rep sent the second replacement cards FedEx, which just showed up today.

Finally, the right card product, with the right number, and the EMV chip right where it should be.

Seriously, should it be this hard?
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Sevenfeet
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Postby Sevenfeet » Sat Feb 16, 2013 1:23 pm

Can the moderator change "cant" to "card" in the thread title? It's impossible to change, or even delete my own thread.
Cards:

American Express Platinum (NPSL)

Penfed Platinum Reward Visa ($28K)

Chase Freedom Visa ($25K)

Fidelity American Express ($20K)

American Express Blue Cash Preferred ($20K)

Bank of America Cash Rewards MasterCard ($20K)

Citi Thank You Preferred Visa ($9.5K)

Chase Sapphire Preferred ($7.5K)

US Bank Cash + Visa Signature ($7K)

Discover IT ($4K)

websteth
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Postby websteth » Sat Feb 16, 2013 1:33 pm

I can understand where you are coming from. I have three cards with EMV. I would love for the others to get changed over but, the ones that have it don't have transaction fees when used over seas so I guess I can see why those have priority. I've been yelled at several times here in the US by merchants when I try to put it in the reader. The card won't swipe so I have to put it in to read. I usually get some comment about being a lame european tourist which I find comical considering I live near the store that gave me attitude. As soon as I got my card in the reader, it took instantly. Imagine that.

I just wish more people would use EMV. Slowly merchants are moving that way but, it's a big process.
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Sevenfeet
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Postby Sevenfeet » Sat Feb 16, 2013 5:28 pm

I'm not sure I've ever seen an EMV card reader in this country. Maybe I've just never noticed (probably).
Cards:

American Express Platinum (NPSL)

Penfed Platinum Reward Visa ($28K)

Chase Freedom Visa ($25K)

Fidelity American Express ($20K)

American Express Blue Cash Preferred ($20K)

Bank of America Cash Rewards MasterCard ($20K)

Citi Thank You Preferred Visa ($9.5K)

Chase Sapphire Preferred ($7.5K)

US Bank Cash + Visa Signature ($7K)

Discover IT ($4K)

DavidNY
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Postby DavidNY » Sat Feb 16, 2013 6:21 pm

Sevenfeet wrote:I'm not sure I've ever seen an EMV card reader in this country. Maybe I've just never noticed (probably).


I see them in post offices.

Todd2869
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Postby Todd2869 » Sun Mar 17, 2013 1:59 pm

I am a POS technician and can tell you that merchants are required to have EMV capable equipment installed by end of April.

That of course does not mean they will all spend the money required to upgrade but some have in my area.

websteth
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Postby websteth » Sun Mar 17, 2013 8:46 pm

Is this all merchants or only merchants using certain terminals? I still see lots of places that don't have ones. I've even seen some that look like they should have it but the slot is covered.

Todd2869 wrote:I am a POS technician and can tell you that merchants are required to have EMV capable equipment installed by end of April.

That of course does not mean they will all spend the money required to upgrade but some have in my area.
American Express: Platinum, Zync, Platinum Delta SkyMiles, Blue, Starwood Preferred Guest
Barclaycard US: iTunes Reward Visa, US Airways Premier World MasterCard
Chase: Sapphire Preferred Visa Signature, Freedom Visa
Citi Bank: Hilton HHonors Visa Signature, AAdvantage Platinum Select World Elite MasterCard
Bank of America Virgin Atlantic World Elite MasterCard
Discover: Discover it
Other:Macy's Star Rewards, Target REDCard

432521
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Postby 432521 » Sun Mar 17, 2013 10:06 pm

I have seen a lot of "food stamp" cards here that have the emv chip... at least I think its the env chip. I go to walmart and I see these ladies with cards that they use to get like 100 bucks off of diapers, food, formula, and other stuff and they put them in the little slot and wait for the cashier to push some buttons and then they put in what i assume is their pin and done.
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Todd2869
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Postby Todd2869 » Sun Mar 17, 2013 10:51 pm

websteth wrote:Is this all merchants or only merchants using certain terminals? I still see lots of places that don't have ones. I've even seen some that look like they should have it but the slot is covered.


Any merchant running a PCI compliant POS system is required to comply. No matter what POS is installed 85% run Verifone MX series reader which have added the EMV slot in the bottom of the unit. Now these sites just need to pay the $$ to upgrade. Ordered a unit for a site to upgrade them for EMV but they are at the corner to the main entrance of Charlotte/Douglas AP.

You will see more if/when they are audited and fail. That invokes a fine for non compliance.

I will say that card security rules have been delayed and/or changed several times in the past few years so I would not be surprised if something changed regarding EMV.

websteth
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Postby websteth » Mon Mar 18, 2013 7:56 am

Todd2869 wrote:Any merchant running a PCI compliant POS system is required to comply. No matter what POS is installed 85% run Verifone MX series reader which have added the EMV slot in the bottom of the unit. Now these sites just need to pay the $$ to upgrade. Ordered a unit for a site to upgrade them for EMV but they are at the corner to the main entrance of Charlotte/Douglas AP.

You will see more if/when they are audited and fail. That invokes a fine for non compliance.

I will say that card security rules have been delayed and/or changed several times in the past few years so I would not be surprised if something changed regarding EMV.

Good to know. Thanks for sharing.
American Express: Platinum, Zync, Platinum Delta SkyMiles, Blue, Starwood Preferred Guest
Barclaycard US: iTunes Reward Visa, US Airways Premier World MasterCard
Chase: Sapphire Preferred Visa Signature, Freedom Visa
Citi Bank: Hilton HHonors Visa Signature, AAdvantage Platinum Select World Elite MasterCard
Bank of America Virgin Atlantic World Elite MasterCard
Discover: Discover it
Other:Macy's Star Rewards, Target REDCard



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