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  1. #1
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    Default Stores/merchants in the US that use chip + pin?

    I was just wondering, are there any places in the U.S. taking Chip + pin cards yet? I have the PenFed Plat rewards that has it, but it has not worked anywhere I have tried it yet. I have tried it at Kroger, HEB, Target, and a few other chains and nothing has worked yet.
    Wallet:
    AMEX BCP: 9K (2012) (every day expenses, gas, groceries, department stores)
    AMEX Zync: NPSL (2011) (large expenses)
    AMEX Costco: 4k (2013) (Costco, gas, and restaurants)
    Discover IT: 5K (2010)
    PenFed Plat Rewards Visa: 3K (2012) (Gas, Target)
    USAA Plat MC: 7K (2010) (everyday expenses, places that do not take Amex or Discover)
    US Bank Cash+: 7K (2012)
    Target REDCard 3k (2013)
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  2. #2
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    Can it be processed as a debit card? That might help. Some POS units give you that option, credit or debit. I've never tried swiping a credit card as a debit card, but it might be worth a try.
    Cards and Credit lines Acquired:

    Escape by Discover (7.75K), Barclay Holland America Visa (7K), Macy's store card (5K), Bloomingdale's store card (2K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (2.7K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (6K), Amazon store card (2.2K), Lord & Taylor store card (500), Nordstrom store card (500), Gold Delta SkyMiles from American Express (3K), Discover It (6.5K), PayPal Credit Line (1K).
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  3. #3
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    Quote Originally Posted by randeman View Post
    Can it be processed as a debit card? That might help. Some POS units give you that option, credit or debit. I've never tried swiping a credit card as a debit card, but it might be worth a try.
    I assume the OP is trying to test out the Chip&Pin functionality (it will work fine as a swipe card) so swiping it, even if that somehow queried the chip for the PIN, wouldn't be a good test.
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  4. Gold Member
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    It works fine as a swipe card. I was just wondering if anywhere in the US is capable of taking chip + pin yet, especially the chains. It can not be used as a debit card. It is a credit card.
    Wallet:
    AMEX BCP: 9K (2012) (every day expenses, gas, groceries, department stores)
    AMEX Zync: NPSL (2011) (large expenses)
    AMEX Costco: 4k (2013) (Costco, gas, and restaurants)
    Discover IT: 5K (2010)
    PenFed Plat Rewards Visa: 3K (2012) (Gas, Target)
    USAA Plat MC: 7K (2010) (everyday expenses, places that do not take Amex or Discover)
    US Bank Cash+: 7K (2012)
    Target REDCard 3k (2013)
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  5. #5
    Centurion Member
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    Every place around me that has the readers wont let you use the chip. They said it's not active yet and make you swipe.
    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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  6. #6
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    Quote Originally Posted by websteth View Post
    Every place around me that has the readers wont let you use the chip. They said it's not active yet and make you swipe.
    Just got my chipped version today, and will try it out in the UK next month. From what I've read, it defaults to chip&signature (which sucks IMO!) but does support Chip&Pin if needed. I have a UK Chip&Pin card for backup just in case...
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  7. #7
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    How is the PIN assigned, is it the same as the ATM PIN?
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  8. Centurion Member
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    Quote Originally Posted by DavidNY View Post
    How is the PIN assigned, is it the same as the ATM PIN?
    In the PenFed case you give them a pin with your app. According to PenFed, this PIN is fixed and cannot be changed. The UK cards (and nearly all I think) can have their PIN changed in an ATM (that supports that function) so it might simply be that the infrastructure to support this isn't present yet here.
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