Chase & Bank of America EMV (chip and pin) cards

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
47 posts
m20e3087
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Postby m20e3087 » Wed Jul 25, 2012 7:14 am

Still waiting for mine...
American Express: Blue Cash Everyday & Platinum

Visa Signature: BankAmericard Travel Rewards, Chase Freedom Unlimited, & Chase Sapphire

Visa Infinite: Chase Sapphire Reserve


CC Deville
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Postby CC Deville » Wed Jul 25, 2012 3:36 pm

m20e3087 wrote:Still waiting for mine...


Yeah? I thought you ordered yours before me. I requested mine last Tuesday, late in the afternoon online through account management (emailed customer service). It may have come Monday but I did not check the mail until yesterday. So from the time I requested it to the time I had it in my hot hand was 7 days.

websteth
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Postby websteth » Wed Jul 25, 2012 9:06 pm

Still waiting here as well for mine.
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

nvm
 
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Postby nvm » Thu Jul 26, 2012 8:50 pm

It is my understanding that these are Chip + Signature. The only Chip + PIN cards available in the US are issued by the UN Federal Credit Union and Andrews Federal Credit Union. You are SOL in joining the UN FCU unless you are part of the UN but anybody can join Andrews FCU.

It is looking more and more that the US will stay with Chip + Signature which is very disappointing.


Will these new Chip + Signature cards work in the automated ticket machines in Europe that refuse to accept our current mag stripe cards?

Or do you have to get a Chip + PIN card for those?

andrewket
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Postby andrewket » Fri Jul 27, 2012 2:25 pm

I was comparing BofA's new EMV chip+signature cards and noticed something annoying: BankAmericard Privileges with Travel rewards has 0% foreign transaction fees, whereas the same card with Cash rewards has a 3% fee. If the cash card was 0% I would have jumped on it. I'm currently using a capital one card for 0% foreign transaction fees, but it doesn't have EMV. My Citi card does have EMV, but it too has a 3% fee. Sigh.

A

CC Deville
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Postby CC Deville » Fri Jul 27, 2012 5:02 pm

nvm wrote:Will these new Chip + Signature cards work in the automated ticket machines in Europe that refuse to accept our current mag stripe cards?

Or do you have to get a Chip + PIN card for those?


Generally speaking unmanned kiosks will not accept our Chip + Signature cards as there is no receipt to print out and nobody to accept a signed receipt even if one did print. Some people have said they had success entering 0000 as their PIN or even their cash advance PIN but that is a Your Milage May Vary scenario. In Australia they have signs posted that state "Cannot use US cards here!"

I am very disappointed that the US is ignoring global payment standards by not going with Chip + PIN. Hopefully the larger banks will at least offer a Chip + PIN card to those who request one for international travel once 10/15 rolls around and EMV is live.

Until then, the only readily available Chip + PIN card (for now at least) is through Andrews Federal Credit Union (anybody can join). If you are somehow able to join the UN Federal Credit Union (very strict memebership criteria) then that is the other option.

But I am happy that at least the three largest credit card issuers (Chase, BofA and Citi) are marketing EMV cards. I feel better about going overseas with a Chip card, even if it is Chip + Signature.

Reclusive46
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Postby Reclusive46 » Tue Aug 14, 2012 3:12 pm

Some places you'd be better off with just a magstipe signature. Some automated machines will allow a magstripe card to be used but not a chip and signature card and you obviously can't use the magstipe on the UK machine if it is chipped.
Amex UK Platinum Charge Card
Amex Blue Cash USA
Amex US Gold Corporate Card
World MasterCard Capital One UK (Free abroad + Cashback + Free Cash Withdrawals with no interest)



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