Does Citi automatically assign a PIN number?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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MemberSince99
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Does Citi automatically assign a PIN number?

Postby MemberSince99 » Sat Feb 01, 2014 7:54 am

I got a letter in the mail yesterday from Citi with the PIN number "you requested". I made NO such request and in fact do not even want PINs on any of my cards.


Do they just do that or has someone hacked my identity?


websteth
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Postby websteth » Sat Feb 01, 2014 8:38 am

I just got the AAdvantage card and I got the same letter. I quickly called and changed it. I'm like you and don't ever use the cash option on my cards so it does annoy me that they automatically send you one.
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thom02099
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Postby thom02099 » Sat Feb 01, 2014 10:57 am

MemberSince99 wrote:I got a letter in the mail yesterday from Citi with the PIN number "you requested". I made NO such request and in fact do not even want PINs on any of my cards.


Do they just do that or has someone hacked my identity?


I believe it's automatic, at least with some cards. I got the same thing with my Diamond Preferred card, and also when I got a replacement. Don't know if it's across the board on all cards. And the PIN is just for use with ATM's and in no way is a PIN associated with the EMV chip embedded in whatever card you have. CITI is still Chip & Signature, not Chip and PIN.
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Reclusive46
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Postby Reclusive46 » Sat Feb 01, 2014 11:58 am

thom02099 wrote:I believe it's automatic, at least with some cards.


This is actually not correct regarding citi cards, although as far as frontline staff are concerned thats what they say. There card verification priority is Signature, then Online PIN. So if you are at automated terminal (That can run online) it is possible it will ask for the PIN.

Many other issuers are the same, excluding American Express who literally just put track 1 and 2 data on the chip and leave it at that (No CVM list or anything) in the US.
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thom02099
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Postby thom02099 » Sat Feb 01, 2014 2:33 pm

Reclusive46 wrote:This is actually not correct regarding citi cards, although as far as frontline staff are concerned that's what they say. There card verification priority is Signature, then Online PIN. So if you are at automated terminal (That can run online) it is possible it will ask for the PIN.


Can you provide documentation where this is true in the USA? I have several cards with EMV chips, from CITI as well as BofA, and the CITI card provided a PIN to be used for ATMs and cash withdrawals. I've not seen anywhere documentation where this is true in the USA where it can be used as Chip and Pin for businesses (I know, they are few in numbers) that support it domestically. I didn't get ANY sort of PIN from my BofA accounts, presumably because I didn't ask for one. Are you saying that, if an American citizen gets a PIN on their CITI card, that it can be used in a foreign country as Chip and Pin vs Chip and Signature??

I ask this because I see you're based in the UK, and the rules may be different. I just don't know, I was advised that Chip and Pin was not available yet for use for cards issued in the USA.
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websteth
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Postby websteth » Sat Feb 01, 2014 3:11 pm

thom02099 wrote:Can you provide documentation where this is true in the USA?

If you use the pin you got with a us card you may be charged with cash advance as they are set as chip and signature. In the uk using a us card I've never been prompted for a pin with a chip.
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MemberSince 79
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Postby MemberSince 79 » Sat Feb 01, 2014 5:34 pm

The answer is just a phone call away.
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thom02099
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Postby thom02099 » Mon Feb 03, 2014 11:55 am

MemberSince 79 wrote:The answer is just a phone call away.


Yes, it is! The PIN issued by CITI to customers in the USA is for use with ATMs and cash advances only. The PIN cannot be used outside the USA for Chip and PIN transactions in place of Chip and Signature transactions. So, the PIN one has cannot be used say, at an unstaffed rail kiosk where only Chip and PIN transactions are accepted.
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MemberSince99
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Postby MemberSince99 » Mon Feb 03, 2014 3:05 pm

Oh I was hoping it was for something other than cash advances. I really don't want a PIN for that.

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Postby lexrj » Tue Feb 04, 2014 4:21 pm

websteth wrote:If you use the pin you got with a us card you may be charged with cash advance as they are set as chip and signature. In the uk using a us card I've never been prompted for a pin with a chip.


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