Citi card with Chip and PIN

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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Battery111
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Citi card with Chip and PIN

Postby Battery111 » Mon Jan 26, 2015 9:32 pm

In my capacity as a card manager for Government Travel Cards for my organization, I received notification from Citi, the contracted bank for these cards, that they will now be issued with chip and pin. I found this interesting since I believe this is currently the only Citi card issued in the US with chip and pin. Wonder if this foreshadows a greater rollout of chip and pin by this bank in the future, or if it's only because of a special agreement with the U.S. government due to the amount of these cards that are used overseas.
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CC Deville
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Postby CC Deville » Tue Jan 27, 2015 5:52 pm

Yeah, Citibank, BofA and US Bank all offer Chip + PIN on their corporate/government spend accounts.

Will it trickle down to regular cards? That is anybody's guess. I have read from "the experts" that they expect the US to be Chip + Signature for the foreseeable future (thanks, Visa); however, the experts believe that Chip + PIN could start to come to fruition by 2018 or so....I really don't know if we will get Chip + PIN as the banks, payment networks and mobile phone companies really want us to go with the NFC Apple Pay and Google wallet solutions. They also believe that 'Murican's are too stupid to remember a bunch of PINs; and therefore, signature works best. If TLC's current programming line up is a reflection of American's then I suppose they are correct.

As of the end of January 2015 (9 months away from the October 2015 fraud liability shift) the only place I am able to use my EMV cards is Wal Mart. Based on this, the merchants don't seem to be taking EMV very seriously....Just my two cents.

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Postby thom02099 » Tue Jan 27, 2015 7:50 pm

Battery111 wrote:In my capacity as a card manager for Government Travel Cards for my organization, I received notification from Citi, the contracted bank for these cards, that they will now be issued with chip and pin. I found this interesting since I believe [color="red"]this is currently the only Citi card issued in the US with chip and pin[/color]. Wonder if this foreshadows a greater rollout of chip and pin by this bank in the future, or if it's only because of a special agreement with the U.S. government due to the amount of these cards that are used overseas.


Are you referring to the Citi AAdvantage World MC listed in your signature, or another card?

For what it's worth, I recently had a chat with a Citi CSR, asking about Chip & PIN availability on the Diamond Preferred (or any other) card. Here's the answer:

No. A signature will be prompted even at international Chip and PIN terminals. The cash advance PIN is for cash access only and is not a PIN for use with the chip.


As far as other issuers providing Chip & PIN, Wells Fargo is offering it with the Propel World and Propel 365 cards on the AMEX network. Diners Club is offering it on the Premier and Elite Mastercards they provide. In using a DC card at Walmart, at least when I used it today, it did not prompt for insertion in the PIN slot, and did not prompt for a signature.
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Battery111
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Postby Battery111 » Tue Jan 27, 2015 9:58 pm

thom02099 wrote:Are you referring to the Citi AAdvantage World MC listed in your signature, or another card?

For what it's worth, I recently had a chat with a Citi CSR, asking about Chip & PIN availability on the Diamond Preferred (or any other) card. Here's the answer:

No. A signature will be prompted even at international Chip and PIN terminals. The cash advance PIN is for cash access only and is not a PIN for use with the chip.


As far as other issuers providing Chip & PIN, Wells Fargo is offering it with the Propel World and Propel 365 cards on the AMEX network. Diners Club is offering it on the Premier and Elite Mastercards they provide. In using a DC card at Walmart, at least when I used it today, it did not prompt for insertion in the PIN slot, and did not prompt for a signature.


No. This is for my government travel card. I don't list it in my signature since it's only sort of my credit line. It's in my name and I have financial liability for it, but it doesn't report to my credit, although theoretically if I let it go delinquent enough it would. Hell of a card. Can only hurt my credit report and can never help it.
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kcm7
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Postby kcm7 » Wed Jan 28, 2015 10:31 am

They also believe that 'Murican's are too stupid to remember a bunch of PINs


I also heard that it's too difficult for people to change the PIN associated with their chip cards. Although somehow other countries have made that work.
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Postby tmiw » Mon Feb 02, 2015 3:13 pm

kcm7 wrote:I also heard that it's too difficult for people to change the PIN associated with their chip cards. Although somehow other countries have made that work.


If the US were to ever adopt it it's likely it would be via the "change via phone/website and make a purchase" method and not via ATM. Too bad the only real way to make sure the new PIN sticks is to leave the US or go to Walmart.

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Postby MB131174 » Mon Feb 02, 2015 5:16 pm

tmiw wrote:If the US were to ever adopt it it's likely it would be via the "change via phone/website and make a purchase" method and not via ATM. Too bad the only real way to make sure the new PIN sticks is to leave the US or go to Walmart.


This wouldn't happen. The chips actually have to be "connected" and "read" at the time the PIN is changed, thus the reason they have to be done at an ATM. My Diners Club card can have the PIN changed, but again, it has to be done at an ATM.
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Postby flan » Mon Feb 02, 2015 7:53 pm

MB131174 wrote:This wouldn't happen. The chips actually have to be "connected" and "read" at the time the PIN is changed, thus the reason they have to be done at an ATM. My Diners Club card can have the PIN changed, but again, it has to be done at an ATM.


If the card doesn't support offline pin (not all pin cards do), it can have the pin changed with the card offline, since the card doesn't know the pin.

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Postby rockyrock » Tue Feb 03, 2015 5:56 am

MB131174 wrote:This wouldn't happen. The chips actually have to be "connected" and "read" at the time the PIN is changed, thus the reason they have to be done at an ATM. My Diners Club card can have the PIN changed, but again, it has to be done at an ATM.


I can change the PIN on my USAA C&PIN card online.
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