Current Events > I have a Debit card with a chip in it

(+) Yeah! (+)

It works well at different stores now.=/
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I have Bank of America, and their debit cards have chips now. The card is crappy, though. I've had two debit cards from them where the chip has worn down so much that chip readers can't read it.
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CableZL posted...

I have Bank of America, and their debit cards have chips now. The card is crappy, though. I've had two debit cards from them where the chip has worn down so much that chip readers can't read it.

lolz. I got my chip debit card a month or so ago.
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america behind the times as usual
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Had one for 14 years. And before that seen my parents have etc
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All my credit and debit cards have a chip, been this way for awhile now
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I hate debit cards that expire every 4 years. That's just bullshit.

Canuck posted...

I hate debit cards that expire every 4 years. That's just bullshit.

It's all bullshit when they are like this, man.
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Is it salt & vinegar?
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I think my credit union just got them this year but I haven't received a new one yet
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Chip and PIN is so late to arrive to the US and we don't even use it right it's embarrassing.

Chip is absolute bullshit.
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It's fine in countries where the readers consistently work right and you actually use a PIN
I hate that half the time the readers here don't even use the chip even though they have the chip reader and then you wind up signing it anyway so it defeats the whole purpose of using the chip instead of just swiping it.

>wait 15 years to adopt a superior international standard
>don't even do it right

yep, sounds like America

My Bank of America debit card has had a chip for years. They just issued me a new one, but I've been using my current one since at least 2013. My CSP credit card also has a chip.
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fenderbender321 posted...

I have this problem too. And a lot of machines require you to try to insert it into the chip reader 3 times before it accepts that it's broken and allows you to swipe. Takes a long ass time.

I had this happen with one of the readers at CVS a couple of weeks ago.
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Hexenherz posted...

I hate that half the time the readers here don't even use the chip even though they have the chip reader and then you wind up signing it anyway so it defeats the whole purpose of using the chip instead of just swiping it.

Swiping is a faster method anyways, though. Chip is way slower.
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Wait. Are chips new in the US? Lol
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YourDrunkFather posted...

Wait. Are chips new in the US? Lol

olol
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YourDrunkFather posted...

Wait. Are chips new in the US? Lol

Yes they just started rolling them out maybe a couple of years ago, many places still don't have a chip reader and many of the places that DO have a chip reader don't work so you wind up sliding the card anyway.

Kisai posted...

Hexenherz posted...

I hate that half the time the readers here don't even use the chip even though they have the chip reader and then you wind up signing it anyway so it defeats the whole purpose of using the chip instead of just swiping it.

Swiping is a faster method anyways, though. Chip is way slower.

Theoretically the chip and PIN is a more secure combination since 99% of the time they never even check your signature or ID in the US anyway. Even then, as long as the card is signed and the signature of the person making the purchase look similar enough the merchant's not going to question it.

EDIT: What a trainwreck of a paragraph I posted. What I mean is, when properly implemented even if it takes a little longer the Chip and PIN is better imo.

man just wait until you guys get the tap
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i prefer the old debit cards :(.
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http://interac.ca/en/fraud-prevention-for-consumers.html

Just look at the infographic on how chip and pin is superior to the swipe and pin or swipe and sign. It's unbelievably better.

but I thought america had an abundance of chips
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soon the chip will be IN YOU

trust me
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the speed of a chip transaction depends on three things:

- the network connection that the store's POS systems use for verifying credit card transactions
- the POS software
- the card reader itself

I've been in stores that will process my card in under 5 seconds, and others that take closer to 30. it's wildly inconsistent

Sputnik1337 posted...

man just wait until you guys get the tap

as a Canadian I adore the tap
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YourDrunkFather posted...

Wait. Are chips new in the US? Lol

I got my first chip card about 5 months ago. Who knows how long it will be before we get the contactless ones.

Sputnik1337 posted...

man just wait until you guys get the tap

they don't have contact-less payment?
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AsucaHayashi posted...

Sputnik1337 posted...

man just wait until you guys get the tap

they don't have contact-less payment?

if you try to tap your card or your phone against a terminal, most people will give you a "wtf are you doing" look

I feel like we've had tap technology for a good decade or more but it never really caught on so you maybe see it at like fast food restaurants and WalMart/Target and that's about it.