Barclaycard's Unremarkable Arrival

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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CarefulBuilder14
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Re: Barclaycard's Unremarkable Arrival

Postby CarefulBuilder14 » Sun Jul 05, 2015 10:07 am

I called Barclaycard and according to a CSR that seemed fairly intelligent:

The Arrival will be getting a chip in the future (as will most every major card). It will be the same as the Arrival+, in preferring a signature, but also having PIN capability. So that might be adequate as a long-term solution - I was worried that they might make it a signature-only card.
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Re: Barclaycard's Unremarkable Arrival

Postby amex007 » Tue Jul 07, 2015 9:00 am

hmm i dont think i know the PIN to any of my cc's or ever set up the PIN in the first place during activation. Since as i never use that feature..

once this no-AF gets the chip tho i'll be sure to set it up :)
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Re: Barclaycard's Unremarkable Arrival

Postby whit » Tue Jul 07, 2015 2:56 pm

amex007 wrote:hmm i dont think i know the PIN to any of my cc's or ever set up the PIN in the first place during activation. Since as i never use that feature..

once this no-AF gets the chip tho i'll be sure to set it up :)


If I had to guess I think that's where there's a bit of confusion

Do euro cards let folks get cash out as cash advance and charge them as such?

Because right now i know every credit card I have has the capability to place a pin on it but it would be for cash advances which I don't have an interest in and don't see so in the future.

So it would be tricky to see if they can keep that aspect on it and make it a chip and pin card or if the former has to go away or what

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Re: Barclaycard's Unremarkable Arrival

Postby Vermonster » Sun Jul 12, 2015 6:13 pm

whit wrote:Do euro cards let folks get cash out as cash advance and charge them as such?

Because right now i know every credit card I have has the capability to place a pin on it but it would be for cash advances which I don't have an interest in and don't see so in the future.

So it would be tricky to see if they can keep that aspect on it and make it a chip and pin card or if the former has to go away or what


Well the only way to get cash out would be at an ATM so it would know if it was for a purchase or cash advance.
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whit
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Re: Barclaycard's Unremarkable Arrival

Postby whit » Sun Jul 12, 2015 8:39 pm

Vermonster wrote:
whit wrote:Do euro cards let folks get cash out as cash advance and charge them as such?

Because right now i know every credit card I have has the capability to place a pin on it but it would be for cash advances which I don't have an interest in and don't see so in the future.

So it would be tricky to see if they can keep that aspect on it and make it a chip and pin card or if the former has to go away or what


Well the only way to get cash out would be at an ATM so it would know if it was for a purchase or cash advance.


I don't think you're getting it but that's okay, probably me than you, I tend to talk in a way that most can't easily comprehend unless they read it word for word even though I limit the vocabulary level to that of a third grader.

There are terminals that will allow you to pay debit for purchases rather than credit, which also applies to self swipe POS systems stores/chains/merchants use to let folks check out.

So people can buy something with their debit card and enter their pin rather than hitting cancel and signing for the purchase.

They can also choose to get cash back if they don't see an ATM of their institution around and only want a twenty or two (I have seen terminals give me back upwards to 100, it really just depends on the merchant) and avoid non-their-institution ATM usage withdrawal fees.

So yes, to dunk your saying, you can get cash outside an ATM.

And even if that wasn't so, folks again can pay with debit and enter a pin. I remember eons ago when I was in HS, all I had was a bank card without a visa logo mind you, or mc, and was able to pin in my purchase at a terminal in an urban outfitters store.

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Re: Barclaycard's Unremarkable Arrival

Postby whit » Sun Jul 12, 2015 8:42 pm

Vermonster wrote:
whit wrote:Do euro cards let folks get cash out as cash advance and charge them as such?

Because right now i know every credit card I have has the capability to place a pin on it but it would be for cash advances which I don't have an interest in and don't see so in the future.

So it would be tricky to see if they can keep that aspect on it and make it a chip and pin card or if the former has to go away or what


Well the only way to get cash out would be at an ATM so it would know if it was for a purchase or cash advance.


There are terminals that will allow you to pay debit for purchases rather than credit, which also applies to self swipe POS systems stores/chains/merchants use to let folks check out.

So people can buy something with their debit card and enter their pin rather than hitting cancel and signing for the purchase.

They can also choose to get cash back if they don't see an ATM of their institution around and only want a twenty or two (I have seen terminals give me back upwards to 100, it really just depends on the merchant) and avoid non-their-institution ATM usage withdrawal fees.

So yes, to dunk your saying, you can get cash outside an ATM.

Even when I swipe my discover it card at Safeway, it asks me if I want cash back..

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Re: Barclaycard's Unremarkable Arrival

Postby Vermonster » Sun Jul 12, 2015 10:25 pm

whit wrote:
Vermonster wrote:
whit wrote:Do euro cards let folks get cash out as cash advance and charge them as such?

Because right now i know every credit card I have has the capability to place a pin on it but it would be for cash advances which I don't have an interest in and don't see so in the future.

So it would be tricky to see if they can keep that aspect on it and make it a chip and pin card or if the former has to go away or what


Well the only way to get cash out would be at an ATM so it would know if it was for a purchase or cash advance.


I don't think you're getting it but that's okay, probably me than you, I tend to talk in a way that most can't easily comprehend unless they read it word for word even though I limit the vocabulary level to that of a third grader.

There are terminals that will allow you to pay debit for purchases rather than credit, which also applies to self swipe POS systems stores/chains/merchants use to let folks check out.

So people can buy something with their debit card and enter their pin rather than hitting cancel and signing for the purchase.

They can also choose to get cash back if they don't see an ATM of their institution around and only want a twenty or two (I have seen terminals give me back upwards to 100, it really just depends on the merchant) and avoid non-their-institution ATM usage withdrawal fees.

So yes, to dunk your saying, you can get cash outside an ATM.

And even if that wasn't so, folks again can pay with debit and enter a pin. I remember eons ago when I was in HS, all I had was a bank card without a visa logo mind you, or mc, and was able to pin in my purchase at a terminal in an urban outfitters store.


If you find that people aren't understanding you on a regular basis than perhaps it is not the fault of strangers. Lets be honest, you could stand to put a little more effort into the grammar of your posts. But, let me reword what I said to make it more clear for you.

The only way for a credit card to give a cash advance is to go to an ATM. There is one exception to this rule and that is Discover, but not at every merchant. Which is why from your experience you can do it "with a credit card." You can not, as you say "pay debit" with a credit card, even if you chose "debit" on the machine prior to swiping a credit card. So there is no way for most credit cards, at most merchants, to get cash back.
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Re: Barclaycard's Unremarkable Arrival

Postby CarefulBuilder14 » Tue Jul 14, 2015 6:25 pm

I used my Discover for a small grocery transaction today, and the terminal gave me the cash back option, which I declined. I was used to not seeing that message, since my Chase, Barclaycard, and Amex cards don't give that option.

Which fees would I be paying, if I'd gotten cash? Presumably there would be no rewards?
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Re: Barclaycard's Unremarkable Arrival

Postby CC Deville » Tue Jul 14, 2015 6:35 pm

CarefulBuilder14 wrote:I used my Discover for a small grocery transaction today, and the terminal gave me the cash back option, which I declined. I was used to not seeing that message, since my Chase, Barclaycard, and Amex cards don't give that option.

Which fees would I be paying, if I'd gotten cash? Presumably there would be no rewards?


The Discover cash over feature does not cost you anything; it is treated as a purchase in that you get the 25 day grace period and no interest provided it is paid in full. I believe they allow up to $40 with this feature; and you are correct, the cash will not earn cash back.

I have used my Discover this way many times as it can be a real PITA to hunt down my bank to obtain cash from one of their ATM's.

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Re: Barclaycard's Unremarkable Arrival

Postby CarefulBuilder14 » Tue Jul 14, 2015 8:38 pm

CC Deville wrote:
CarefulBuilder14 wrote:I used my Discover for a small grocery transaction today, and the terminal gave me the cash back option, which I declined. I was used to not seeing that message, since my Chase, Barclaycard, and Amex cards don't give that option.

Which fees would I be paying, if I'd gotten cash? Presumably there would be no rewards?


The Discover cash over feature does not cost you anything; it is treated as a purchase in that you get the 25 day grace period and no interest provided it is paid in full. I believe they allow up to $40 with this feature; and you are correct, the cash will not earn cash back.

I have used my Discover this way many times as it can be a real PITA to hunt down my bank to obtain cash from one of their ATM's.

Good to know - especially if end up leaving Chase checking.
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