f.pier
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Visa Credit Card Without Microchip In USA

Fri Aug 21, 2009 5:32 pm

I've already realized that my credit card, a Visa valid thru the end of 2011 doesn't have the microchip and it only has the magnetic stripe.
Here in Italy I can use it everywhere, but within 10 days I'm going to the US and now I'm in doubt. Is it ok?
 
desertjets
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RE: Visa Credit Card Without Microchip In USA

Fri Aug 21, 2009 5:34 pm

You will be fine. My 2 cards (CC and debit) are both chipless and I haven't seen very many places that take them.
Stop drop and roll will not save you in hell. --- seen on a church marque in rural Virginia
 
afterburner
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RE: Visa Credit Card Without Microchip In USA

Fri Aug 21, 2009 5:42 pm

I believe most merchant in the world are still using magnetic type credit card machines. However, more and more merchants have been using microchip credit card machines. In Indonesia, iirc, from 2010 all new credit cards issued have to has microchips.
 
f.pier
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RE: Visa Credit Card Without Microchip In USA

Fri Aug 21, 2009 5:53 pm



Quoting Afterburner (Reply 2):
In Indonesia, iirc, from 2010 all new credit cards issued have to has microchips.

Here in Italy, too. Since January the 1st 2009 all new credit cards have the microchip, but mine was issued in december 2008. The bank asked me if I wanted to change it, but I forgot to answer......
 
wingman
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RE: Visa Credit Card Without Microchip In USA

Fri Aug 21, 2009 6:03 pm

Welcome to the United States of the Stone Age. In the emerging consumer technologies such as telephony and payments we lag woefully behind Europe. There are essentially no merchants in the US that operate payment systems using chip platforms. We are committed 100% to the mag stripe for now. Contactless may emerge as our next generation bypassing mag altogether at some point. But suffice to say you and your Italiano mag stripe will be welcome with open arms wherever you go. Enjoy your trip and please spend lots of money. We are broke.
 
Bongodog1964
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RE: Visa Credit Card Without Microchip In USA

Fri Aug 21, 2009 7:07 pm



Quoting Wingman (Reply 4):



Quoting Wingman (Reply 4):
Welcome to the United States of the Stone Age. In the emerging consumer technologies such as telephony and payments we lag woefully behind Europe. There are essentially no merchants in the US that operate payment systems using chip platforms. We are committed 100% to the mag stripe for now. Contactless may emerge as our next generation bypassing mag altogether at some point. But suffice to say you and your Italiano mag stripe will be welcome with open arms wherever you go. Enjoy your trip and please spend lots of money. We are broke.

On my recent trip to California, I noted the almost total lack of security and scrutiny for credit card transactions. On one or two occasions I was asked for photo id to back up card, on all others even my signature wasn't checked.
I'm sure that I would have passed the photo id test, regardless of how the photo looked.
Many time I felt tempted to sign as "M Mouse" just to see if it was ever picked up.
 
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Dreadnought
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RE: Visa Credit Card Without Microchip In USA

Fri Aug 21, 2009 7:26 pm

Card issuers in the US have actually been removing security features in spite of increasing fraud. My understanding is that 4% of all credit/debit card transactions are fraudulent.

Ten years ago, my bank had your photo printed on the front of your card - a simple way of ensuring that "you are you". Aparently they got a lot of complaints about it and the pictures have been removed.

Right now I am converting my family to a cash system. I'm getting rid of all our debit cards, and will keep only a couple of credit cards for travel purposes.
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Pellegrine
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RE: Visa Credit Card Without Microchip In USA

Fri Aug 21, 2009 8:36 pm



Quoting Bongodog1964 (Reply 5):
On my recent trip to California, I noted the almost total lack of security and scrutiny for credit card transactions. On one or two occasions I was asked for photo id to back up card, on all others even my signature wasn't checked.
I'm sure that I would have passed the photo id test, regardless of how the photo looked.
Many time I felt tempted to sign as "M Mouse" just to see if it was ever picked up.

Most big retailers just want to make transactions as quickly as possible. Swipe, swipe, swipe, that's it. I think you'll find only small businesses and pricey boutique stores which may by fraud targets will actually use security features.

Quoting Dreadnought (Reply 6):
Ten years ago, my bank had your photo printed on the front of your card - a simple way of ensuring that "you are you". Aparently they got a lot of complaints about it and the pictures have been removed.

Bank of America does this by default for new checking accts, you have to tell them if you want a photoless debit card. Personally I do not like my photo on a credit card which is easily lost. Fraud is the bank's problem anyway, not mine the customer's.
oh boy!!!
 
Pyrex
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RE: Visa Credit Card Without Microchip In USA

Fri Aug 21, 2009 9:02 pm



Quoting Wingman (Reply 4):
Contactless may emerge as our next generation bypassing mag altogether at some point.

Actually, one thing does not preclude the other. Contactless technology in the U.S. is based on the magnetic stripe (i.e., you basically just have an antenna that transmits the exact same information that is on the magnetic stripe). Despite lagging in terms of penetration compared with the U.S., contactless technology in Europe is (or will be) based on the chip card (i.e., bi-directional communication, etc.) so in theory it is much safer.

Quoting Bongodog1964 (Reply 5):
I noted the almost total lack of security and scrutiny for credit card transactions.

Heck, credit cards is nothing. The lack of security in other types of electronic transactions in the U.S. is mind-boggling. Do you know that in the U.S. if, for any reason, I write you a check to pay for something I owe you, just with the information printed on the front of the check you can pay your utility bills, your taxes, your college tuition or even just make withdrawals, all from my checking account?

Plus, don't get me started with the lack of security in Internet Banking.

Quoting Dreadnought (Reply 6):
Ten years ago, my bank had your photo printed on the front of your card - a simple way of ensuring that "you are you". Aparently they got a lot of complaints about it and the pictures have been removed.

Bank of America still allows you to do that on debit cards (not sure about credit cards).
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lincoln
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RE: Visa Credit Card Without Microchip In USA

Fri Aug 21, 2009 10:55 pm



Quoting Bongodog1964 (Reply 5):
Many time I felt tempted to sign as "M Mouse" just to see if it was ever picked up.

A coworker at my last employer would sign anything he purchased with a P-Card (essentially a University issued state Visa card) as either "Mickey", "Mouse", "MM", or "MMouse"

The only time the signature ever matters is if you contest the charge. Another interesting security anomoly is that in the US a merchant accepting Visa or Mastercard for payment may not require ID as a condition of completeing the sale. -- a merchant isn't even suposed to ask, but if they do, you decline and they refuse to process the transaction they can create all kinds of issues between them and their merchant bank/Visa.

Usually, though I just hand my DL and Visa card over together.

Lincoln
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afterburner
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RE: Visa Credit Card Without Microchip In USA

Sat Aug 22, 2009 3:01 am

I have a credit card that also functions as a cash card. I has a magnetic stripe and a chip, and has contact-less feature. For regular transaction either the stripe or the chip can be used. The contact-less feature is used when the card is functioning as a cash card. We top up the cash card by cash or debiting from the credit card account. The cash card function comes handy when we often pay for petty spending like toll road charges, parking charges, etc.
 
bananaboy
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RE: Visa Credit Card Without Microchip In USA

Sat Aug 22, 2009 9:01 am



Quoting Dreadnought (Reply 6):
Ten years ago, my bank had your photo printed on the front of your card - a simple way of ensuring that "you are you". Aparently they got a lot of complaints about it and the pictures have been removed.

I read somewhere that there was quite a lot of evidence to show that this security feature was not that successful. They set up tests using other peoples photos (and a monkey once) and it wasn't spotted by the merchant.

I have a credit card with both a chip and also contactless capability. I just haven't found a shop that can do the contactless thing. Apparently, you can only spend up to £10GBP just by waving the card at the machine. Not a bad idea I guess, but now that chip and PIN is everywhere, I wonder if it will take off in a big way, seeing as entering 4 numbers is pretty quick anyway.


Mark
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Gemuser
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RE: Visa Credit Card Without Microchip In USA

Sat Aug 22, 2009 9:11 am



Quoting Dreadnought (Reply 6):

Right now I am converting my family to a cash system.

So what are you going to do when cash is withdrawn? I hear the plan here is to star to phase out cash in 2021, probably take to 2030 to actually do it.

Gemuser
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hawaiian717
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RE: Visa Credit Card Without Microchip In USA

Sat Aug 22, 2009 2:58 pm



Quoting BananaBoY (Reply 11):
I just haven't found a shop that can do the contactless thing. Apparently, you can only spend up to £10GBP just by waving the card at the machine. Not a bad idea I guess, but now that chip and PIN is everywhere, I wonder if it will take off in a big way, seeing as entering 4 numbers is pretty quick anyway.

It's the opposite in the US. I've never seen a shop setup to do anything with a smart chip, but I have seen a handful of places, mostly chain stores, that have the terminals that have readers for the contactless cards (they use RFID technology).

American Express advertised the smart chip as a major feature when they first launched their Blue card, but it's gone nowhere and American Express is now using RFID chips in some of their cards instead, including Blue.

I think RFID credit cards (and passports) are a remarkably bad idea, considering how badly wireless security has been done before (WEP being a prime example). I have a credit card with a RFID chip in it, the first thing I did was went to the bank's website and disabled the contactless feature (while the chip itself is still enabled, the bank would reject contactless transactions), and the second thing I did was figure out where the chip was in the card and hit it with a hammer a couple of times.

Regarding the signature thing, I've noticed in the past couple of years some chains don't bother getting a signature for small transactions (maybe under $20).
 
TUNisia
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RE: Visa Credit Card Without Microchip In USA

Sat Aug 22, 2009 2:59 pm



Quoting Wingman (Reply 4):
There are essentially no merchants in the US that operate payment systems using chip platforms.

Here in the Northeast a lot of merchants that I frequent utilize PayPass and Express Pay by AMEX... but not all cards from that issuer feature the chip... which is odd!
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