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Old 05-15-2014, 09:48 PM   #61
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Today we parked at a pay and display car park in Winniepeg and the machine accepted credit cards but would not accept my Penfed CHIP and PIN. Tried various times, but our Canadian friend put in his card and it prompted him for a PIN as expected.
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Old 05-15-2014, 09:56 PM   #62
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Quote:
Originally Posted by wanaberetiree View Post
I will be in Paris next week and have BoA Chip card.
But I have no PIN assigned (I think)
So how will it work in Metro or toll machines?
It won't work in those automated machines, and any PIN assigned would be for cash advances/ATM only, with the associated fees.
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Old 05-15-2014, 09:57 PM   #63
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Originally Posted by Alan View Post
Today we parked at a pay and display car park in Winniepeg and the machine accepted credit cards but would not accept my Penfed CHIP and PIN. Tried various times, but our Canadian friend put in his card and it prompted him for a PIN as expected.
Dang - that's frustrating.
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Old 05-15-2014, 10:05 PM   #64
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Dang - that's frustrating.
One of the things I tried was to insert my Chip and signature Amex and it gave the message card not valid, which is to be expected since the symbols on the pay machine indicated Visa and MasterCard only.
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Old 05-15-2014, 10:14 PM   #65
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Originally Posted by anethum View Post
I'd like to know whether people are getting a good foreign currency conversion rate on their PenFed chip credit cards.

I just found out that Bank of America, which has agreements with specific banks in various countries that allows customers to use those foreign banks' ATMs without incurring ATM fees, has started to charge a 3% foreign currency transaction fee. I guess I'll stick to Charles Schwab.
All VISA cards use the same foreign exchange rate.
What you want is a credit card with 0% foreign transaction fee. There are several such cards available.
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Old 05-15-2014, 10:17 PM   #66
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One of the things I tried was to insert my Chip and signature Amex and it gave the message card not valid, which is to be expected since the symbols on the pay machine indicated Visa and MasterCard only.
Interesting! I have the PenFed VISA cash rewards card. I noticed a lot of systems in Europe had VISA logos but not AMEX.
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Old 05-16-2014, 06:06 AM   #67
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Originally Posted by audreyh1 View Post
All VISA cards use the same foreign exchange rate.
What you want is a credit card with 0% foreign transaction fee. There are several such cards available.
Thanks. I have a new PenFed w/chip 0% foreign transaction fee card.
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Old 05-19-2014, 09:55 AM   #68
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I informed Penfed that the card never prompted for a PIN and here is their response and my response.

Quote:
Originally Posted by Penfed
Thank you for contacting Pentagon Federal Credit Union.

Please accept our apologies for any inconvenience this may have caused you. This
is not a known issue for our Chip/PIN cards. If the PIN you chose is not working
with your PenFed Platinum Visa Signature Card, we can mail you a new system
generated PIN. For security reasons, we cannot accept your request by e-mail.
Please contact a Member Service Representative for assistance at 1 800 247-5626
or 510 376-7328 from a Class A DSN phone line, 7 days a week during the
following hours:

Monday - Friday: 7:00 am to 11:00 pm ET
Saturday - Sunday: 8:00 am to 11:00 pm ET

The representative will verify your security code.


If you need further assistance, please contact us.

Quote:
Originally Posted by Alan
Thank you for your quick response. It is not that the PIN I generated does not work, it is that I am never prompted for a PIN, it behaves just like my Amex CHIP and signature card. In all the places in Canada that I used it, shops, museums etc, I would push it into the slot used for CHIP cards, it would then read and authorize the card without prompting for a PIN. In most cases I had to tell the shop assistant that the receipt printed required my signature. At the unattended kiosk for parking it would not prompt for a PIN and would not let me pay. My Canadian friend used his card and it prompted for his PIN as expected.


I really think that I have a CHIP and signature card since it behaves exactly like my Amex CHIP and signature card, and I just wanted to let you know as I expect you won't have many members traveling to locations with unattended kiosks that MUST have a PIN to work.


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Old 05-19-2014, 02:30 PM   #69
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One more interchange.

Quote:
Originally Posted by Penfed
Thank you for contacting Pentagon Federal Credit Union.


Again our apologies for the inconvenience, PenFed is currently working to
improve the ability of our Chip and PIN cards when used in Canada and other parts of the world. As this technology is fairly new in the United States, we have been using the recent period to perfect the technology with our cards.

Do you remember when attempting to make the purchase if the Kiosk displayed a specific error code or message as to why the authorization was declined?

Also, the reason you are never prompted for a Pin is because PenFed Visa Chip and Pin cards will first prompt you to sign. If the merchant does not accept a signature, the PenFed Visa Chip and Pin card will default to requiring the Pin.

If you need further assistance, please contact us.

Quote:
Originally Posted by Alan
Your explanation of why a signature is asked first sounds very reasonable and we certainly had no problem with machines where there was a cashier. With the car park I got no error message so I canceled the whole transaction and started over. Again no error message, the machine looked as if it was not reading the card, so I inserted my Amex CHIP card and got the message "Card not valid", which would be expected as the kiosk showed Visa and Mastercard symbols only. I started over fresh for a 3rd time and there was no error message again with the Penfed card, so our friend inserted his Canadian card and it prompted him to enter his PIN.


Hope this is helpful,
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Old 05-22-2014, 06:50 AM   #70
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I just got back from spending a week in London on vacation. Before my trip I obtained what I thought was a chip & pin MasterCard from Citibank, although the letter only mentioned that the pin was good for cash advances. The card does have a chip on it.

I tried to use it twice in London and both times it just spit out a receipt for a signature. I quit trying to use it since that card does have a foreign transaction fee and my Visa, without a chip, doesn't. Fortunately, at least in London's tourist areas, I never had an issue using a swipe only CC or paying with cash. The automatic checkout machines at the Tesco (7-Eleven) even take cash, so if your destination is London I would not worry about having a working chip & pin CC.
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Old 05-22-2014, 07:08 AM   #71
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Quote:
Originally Posted by wanaberetiree View Post
I will be in Paris next week and have BoA Chip card.
But I have no PIN assigned (I think)
So how will it work in Metro or toll machines?
I seldom use a credit card outside of the US. Typically, I only use them for hotels. I use a debit card to get cash from an ATM.

For the Paris metro you'll buy a book of "carnet" (10 individual tickets) at a Tobac shop which sell them. It's much faster and more reliable than trying to buy individual tickets at a metro stop. Metro stops are also frequently not staffed.
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Old 05-22-2014, 08:29 AM   #72
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I did some training at the Drs office. I noticed their card reader on the counter had a chip slot. The lady told me to swipe my card. I asked - are you sure? There is a chip card slot. She didn't think that was for the chip on my card. Swiping wasn't accepted. I said - " just let me try this card slot and see if that works". Sure enough - it worked to their total amazement. They'd never seen a CC with a chip, and thought that slot was for something else. LOL!
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Old 05-22-2014, 09:06 AM   #73
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Here in Canada most credit cards have been chip/pin for a long time. However, the new trend is Tap and Go cards what have an RFID chip in them and require neither a PIN or a signature. You just waive them over the card reader at the checkout.
Of the dozen or so retail establishments we would frequent in a month, I would say 75% of them are now Tap and Go.
I still wonder about the fraud level with them but was generally okay with it since the Tap and Go limit has traditionally been $50
However, I notice now that a lot of places have upped the limit to $100

I reckon an identity thief could hit a few places and have a pretty good time with a $100 Tap and Go card before the good people at Mastercard caught up to them.

Mind you, it is incredibly convenient. You can get in and out of the grocery store in record time now.. convenience/fraud is the weigh off I guess.
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Old 05-22-2014, 09:34 AM   #74
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US financial institutions just don't want to give up that signature! Is it concerns about customer migration? Or something else? 'Cause the US public has been using debit cards with PINs for years. Maybe the problem is bringing a reader out to the table in a US restaurant so the customer can enter the PIN to complete the transaction. The migration is obviously going to be a loooong one.

The chip and pin issue might not have solved the Target data breach issue (that's not clear), BUT the chip does make it much harder to duplicate the credit cards. From what I read, credit card fraud is waaaaaaay down in Europe. I don't know if it's the chip or the pin.

Still you can't use a chip and pin card for online purchases - I mean it reverts to card number, CVC and expiration date, billing address, so seems like chip and pin credit cards would be just as vulnerable for online abuse if hackers collected the CVC.
Banks or Visa and MC get more for processing signature verification than they do for PIN verification.

So they want to keep using signatures while the merchants want to use PIN.
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Old 05-22-2014, 09:36 AM   #75
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Hopefully, the consumer can easily change his or her PIN.
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Old 05-22-2014, 09:49 AM   #76
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Quote:
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Banks or Visa and MC get more for processing signature verification than they do for PIN verification.

So they want to keep using signatures while the merchants want to use PIN.
Typical.

Quote:
Originally Posted by Chuckanut View Post
Hopefully, the consumer can easily change his or her PIN.
I think the PIN is encoded onto the CHIP so I would expect a new card is needed. I just ordered a replacement CHIP & PIN card from Penfed on their advice since the prompt for a PIN didn't even work at a car park in Canada and I had to ask a Canadian friend to use his PIN card.

Anyway I asked if I could choose my own PIN like I did when first ordering my current CHIP & PIN card and she said no, it had to be a computer generated PIN.
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Old 05-22-2014, 09:55 AM   #77
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Hopefully, the consumer can easily change his or her PIN.
A quick search and the Amex site says you can change your PIN at special UK ATMs that offer PIN management services that can update the CHIP on the card.

American Express Dollar and Euro Charge Cards ? CHIP & PIN

Quote:
Once your PIN is issued you will not be able to change your PIN unless you visit the UK, where you can use UK LINK ATMs that offer PIN Management services.
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Old 05-22-2014, 10:26 AM   #78
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Banks or Visa and MC get more for processing signature verification than they do for PIN verification.

So they want to keep using signatures while the merchants want to use PIN.
Right - that's what Walmart is battling them over. Walmart wants customers to use their PIN to improve security and has been suing VISA over "swipe fees" in general anyway.
http://online.wsj.com/news/articles/...65690629247558
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Old 05-28-2014, 02:58 PM   #79
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When I arrived at Paris CDG a few days ago, I tried to use my PenFed chip and pin visa at a kiosk to load up my Navigo card (electronic metro and RER pass). My card was rejected. I had to do my transaction w/ a human. I used the same card and she had me sign the receipt. Had to sign a receipt the next time I used the card.



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Old 05-28-2014, 03:05 PM   #80
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When I arrived at Paris CDG a few days ago, I tried to use my PenFed chip and pin visa at a kiosk to load up my Navigo card (electronic metro and RER pass). My card was rejected. I had to do my transaction w/ a human. I used the same card and she had me sign the receipt. Had to sign a receipt the next time I used the card.



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Well that stinks. A lot of folks report being able to use the PenFed cards with PIN in the automated kiosks, so I wonder why yours did not work.
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