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  1. #1
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    Default Citibank has been kind! (EMV?)

    So, I read somewhere that Citibank has been issuing Chip+Signature cards if you ask, so I decided to send a secure message to see if they were available for my product (Citi Dividend Platinum Select).

    The secure message rep said yes that they were available, so I asked if I could have one sent and they told me they couldn't process it through the secure message system, but they transferred my request to the right department...That seemed a little strange, but I actually dug a little deeper and saw that it is supposedly only available for Mastercard and not Visa (I have Visa). So I thought, maybe that was the hiccup and cause for transfer.

    I actually forgot about it, but when I logged into my account today, I have a notice telling me that a new card has been sent to me! Crossing my fingers that it does have EMV (even if it is +signature). In addition to that nice surprise, they gave me a CLI with no request or hard pull! It wasn't huge ($4200 to $5900), but it's my first CLI without request, so I'm flying pretty high right now.

    Anyone know if the card coming could possibly have the EMV+sig? Or is that pretty unlikely based on what is in the market from them right now?
    Chase Freedom Signature (rotating 5%)
    Citi Platinum Select (rotating 5%)
    Discover It (rotating 5%)
    AMEX BCE (Groceries 3% / Gas 2% )
    Regions Signature Visa
    US Bank Cash+ (Restaurants/Fast Food 5% / Drug Stores 2%)
    Navy Federal cashRewards Visa Signature (Business Purchases)
    Care Credit (GE Bank) (Vet Bills/Dentist - 0% APR)
    Chase IHG Rewards (Priority Club) (Annual Night Certificate, Platinum Elite Status)

    Not used except for occasional purchase with promo:
    Jared
    ShaneCo Wells Fargo
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  2. #2
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    You didn't need to secure message them as you can now request one online. Here is how to check to be sure that you got an EMV card: Go onto your online account management, click on Benefits and Services, then chose the option for Order a Replacement Card.

    Once you are at the Order a Replacement Card page: Below your name you will see a second box for Global Chip Card (what Citibank calls their EMV).

    Since you already requested one, the Global Chip Card box should already be checked if they processed your card order correctly. Once one EMV card has been sent on the account, all future cards will be chipped. If the Global Chip Card box is unchecked, that means that they sent you a normal mag strip only card. If it is checked, they did it correctly.

    Yes, all personal Citibank cards with EMV are Chip + Signature. I would wager a guess that starting next year, most major banks will start to issue EMV cards standard in advance of the liability shift that will be instituted by all four card networks by 10/2015. EMV is coming to the US very soon.
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  3. #3
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    What exactly is the "liability shift"? Does that mean that fraud protection will be the cardholder's responsibility to prove they did not authorize charges?
    \\Eighteen year old looking to maximize credit, for myself and others.

    American Express Zync
    American Express Delta Reserve
    Chase Sapphire Preferred
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  4. Centurion Member bisbicos's Avatar
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    I didn't even have to request it, but last week they mailed me a new forward card with an emv chip
    Credit Cards
    American Express: Fidelity Rewards (2% cash back) 9.5k
    Zync NPSL
    Discover: Discover More (5% rotating categories) 7.5k
    Mastercard: Chase Freedom (5% rotating categories) 3.1k
    Visa: Citi Forward (5x pts on restaurants) 13.8k
    Citi Dividend (5% rotating categories) 5.6k
    Capital One Journey (1.25% cash back) 1.25k
    BofA AAA (5% on gas) 2.5k
    PenFed Platinum Rewards (5% on gas 3% groceries) 7.5k

    Future Cards
    US Bank Cash +
    Chase Ink
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  5. #5
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    Quote Originally Posted by jriley View Post
    What exactly is the "liability shift"? Does that mean that fraud protection will be the cardholder's responsibility to prove they did not authorize charges?
    Fraud protection will be the merchant's responsibility with the liability shift instead of the credit card company if they resist EMV. Since this is the last thing most merchants want to deal with, they would naturally upgrade to the new EMV equipment at point of sale. One of the main reasons why EMV hasn't been implemented in the US earlier is because merchants didn't want to invest in new equipment (think of the millions upon millions of swipe machines in the biggest and smallest stores, taxis, aircraft, kiosks, you name it). But with fraud becoming a bigger and bigger problem for everyone and swipe card harvesting becoming rampant, the change is inevitable.
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  6. #6
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    Default

    Quote Originally Posted by CC Deville View Post
    You didn't need to secure message them as you can now request one online. Here is how to check to be sure that you got an EMV card: Go onto your online account management, click on Benefits and Services, then chose the option for Order a Replacement Card.

    Once you are at the Order a Replacement Card page: Below your name you will see a second box for Global Chip Card (what Citibank calls their EMV).

    Since you already requested one, the Global Chip Card box should already be checked if they processed your card order correctly. Once one EMV card has been sent on the account, all future cards will be chipped. If the Global Chip Card box is unchecked, that means that they sent you a normal mag strip only card. If it is checked, they did it correctly.

    Yes, all personal Citibank cards with EMV are Chip + Signature. I would wager a guess that starting next year, most major banks will start to issue EMV cards standard in advance of the liability shift that will be instituted by all four card networks by 10/2015. EMV is coming to the US very soon.
    I did not realize that they made it that easy to do. Thanks for all the information and instructions (It's under Tools & Services instead of Benefits & Services). However, the box is indeed checked so it looks like I'll be getting my first chip card any day!
    Chase Freedom Signature (rotating 5%)
    Citi Platinum Select (rotating 5%)
    Discover It (rotating 5%)
    AMEX BCE (Groceries 3% / Gas 2% )
    Regions Signature Visa
    US Bank Cash+ (Restaurants/Fast Food 5% / Drug Stores 2%)
    Navy Federal cashRewards Visa Signature (Business Purchases)
    Care Credit (GE Bank) (Vet Bills/Dentist - 0% APR)
    Chase IHG Rewards (Priority Club) (Annual Night Certificate, Platinum Elite Status)

    Not used except for occasional purchase with promo:
    Jared
    ShaneCo Wells Fargo
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  7. #7
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    The card arrived today and sure enough it does have the EMV so I'm happy to have my first one! In addition, today has been an all around great day! I am in the process of shopping for a new car, so I applied for the loan through Navy Federal where I have a few accounts and got approved for what I wanted with the lowest APR (1.79%). Since, I got approved for that I was feeling lucky and decided to ask for a CLI on my CashRewards card with them (I have started a full time job since I opened the account in school). I had a 2k limit and my highest card was at 7.5k, so I decided to go above the typical 3x rule and ask for 8k. They came back with 20k!!! So I have a new highest card and that basically doubled my total available credit...Yeah, I've had a great couple of weeks!
    Chase Freedom Signature (rotating 5%)
    Citi Platinum Select (rotating 5%)
    Discover It (rotating 5%)
    AMEX BCE (Groceries 3% / Gas 2% )
    Regions Signature Visa
    US Bank Cash+ (Restaurants/Fast Food 5% / Drug Stores 2%)
    Navy Federal cashRewards Visa Signature (Business Purchases)
    Care Credit (GE Bank) (Vet Bills/Dentist - 0% APR)
    Chase IHG Rewards (Priority Club) (Annual Night Certificate, Platinum Elite Status)

    Not used except for occasional purchase with promo:
    Jared
    ShaneCo Wells Fargo
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  8. Centurion Member
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    Quote Originally Posted by irvinfitness View Post
    The card arrived today and sure enough it does have the EMV so I'm happy to have my first one! In addition, today has been an all around great day! I am in the process of shopping for a new car, so I applied for the loan through Navy Federal where I have a few accounts and got approved for what I wanted with the lowest APR (1.79%). Since, I got approved for that I was feeling lucky and decided to ask for a CLI on my CashRewards card with them (I have started a full time job since I opened the account in school). I had a 2k limit and my highest card was at 7.5k, so I decided to go above the typical 3x rule and ask for 8k. They came back with 20k!!! So I have a new highest card and that basically doubled my total available credit...Yeah, I've had a great couple of weeks!
    Congrats on the increase! NFCU is awesome...I wish I could join.

    As far as Citibank I do like how easy they have made getting the EMV chip. Citibank has been quietly adding EMV standard on several cards over the past few weeks....all levels of Thank You now have a standard EMV chip and most recently the Platinum Select levels (Visa/MasterCard) of the American Airlines AAdvantage cards are now chipped. At this rate, Citibank could be the first US issuer to have EMV standard on all cards.

    Now if we could get them to do true Chip + PIN instead of Signature....
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  9. #9
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    I requested a replacement Forward card with EMV a few days ago, and they just informed me that they sent it! I hope the card I receive actually has an EMV chip on it, as the Forward does not come with one standard yet. I'll keep you guys posted!
    Amex Gold Delta Skymiles -AU- $25k- 4/12
    Citi Forward Visa- $4.6k- 8/12
    Amex Gold Delta Skymiles- $3.8k- 1/13 (backdated to 4/12)
    BofA Travel Rewards Visa Signature- $5k- 1/13
    Chase Marriott Rewards Premier Visa Signature- $5k- 7/13
    Amex Blue Cash Everyday- $5k- 7/13 (backdated to 4/12)
    Barclaycard Arrival World Mastercard- $5k- 1/14
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  10. #10
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    Did your Citi Forward arrive with EMV?

    I ask, b/c I just applied for Citi Dividend, which comes standard with EMV, to complement my Citi Forward.

    When I log into my Citi Forward account, the pic of the card shows an EMV chip, but the feature isn't listed in the card comparison or on the card page:

    https://www.citi.com/credit-cards/cr...ard-comparison

    For those interested in a solid travel card, the Dividend actually deserves a good look.
    Merrick Bank (Hooters) 4100
    Cap One Quicksilver 1800
    Discover it 2500
    Citi Forward 5400
    Chase Freedom 1000
    AMEX Blue Cash Everyday 5500
    Citi Dividend 4000
    Cap One Visa Platinum 750 (CLOSED)
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