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Re: Do I need a pin to use my chip equipped credit car
[Re: davew]
#76514
11/28/2015 02:21 PM
11/28/2015 02:21 PM
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Joined: Jan 2008
Posts: 13,145 Ottawa, Ontario, Canada
islandgem
Traveler
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Traveler
Joined: Jan 2008
Posts: 13,145
Ottawa, Ontario, Canada
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You need to use your pin on the French side with the chip and pin card. The Dutch side is still behind and using old machines, so chip and sign is mainly used there. You do need to know your pin on both sides of the island and not many places are still swiping the cards as they did years ago.
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Re: Do I need a pin to use my chip equipped credit car
[Re: dlbert]
#76516
11/28/2015 02:33 PM
11/28/2015 02:33 PM
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Joined: Aug 2000
Posts: 298 Maine
davew
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Excellent....11 minutes and I get all I need to know. Love TRAVELTALKONLINE.COM!
Last edited by davew; 11/28/2015 02:34 PM.
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Re: Do I need a pin to use my chip equipped credit car
[Re: davew]
#76517
11/28/2015 02:34 PM
11/28/2015 02:34 PM
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Joined: Jan 2008
Posts: 13,145 Ottawa, Ontario, Canada
islandgem
Traveler
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Joined: Jan 2008
Posts: 13,145
Ottawa, Ontario, Canada
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We are at your service! <img src="http://www.traveltalkonline.com/forums/images/graemlins/Grin.gif" alt="" />Enjoy your upcoming trip!
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Re: Do I need a pin to use my chip equipped credit car
[Re: boucharda]
#76520
11/28/2015 03:36 PM
11/28/2015 03:36 PM
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Joined: Sep 2000
Posts: 4,711 Newtown, CT
kim
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Joined: Sep 2000
Posts: 4,711
Newtown, CT
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boucharda said: Between my wife and I there exists 8 distinct credit cards...no recurring balances but many cards...ALL have been converted to chip cards and ZERO are chip/PIN....all are chip/sig
Kinda half of what was needed....
I should note they have PIN's assigned to them but that is just for cash advances not routine transactions <img src="http://www.traveltalkonline.com/forums/images/graemlins/duh.gif" alt="" /> Ditto!! Only time I need a pin is for cash advances
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Re: Do I need a pin to use my chip equipped credit car
[Re: toothdoc]
#76528
11/29/2015 07:55 PM
11/29/2015 07:55 PM
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Joined: Jul 2013
Posts: 837 Florida
wilsonck
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Posts: 837
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toothdoc said: I just got off the phone with Venture Card. I have a chip in my Venture Card, and the powers that be emphatically said that Venture card holders do not have nor need PIN numbers. Has anyone else heard this? For the US Market, there are two types of cards with chips. Most banks are issuing Chip and Sign cards (which goes agaisn't what the rest of the world uses). A few banks are issuing Chip and Pin cards, which is the standard outside the US. The reasoning with Chip and Sign cards is most of the fraud commited with credit/debit cards is card cloning where someone has received your card number and makes their own card with your card information. The fraud committed with actual lost cards is very small compared with cloned cards. So they see no reason to issue Chip and Pin cards. When Chip and Pin rolled out in Canada a few years ago, banks saw transaction volume drop because they could not remember the pin for their new card. The banks lost money when they happened and the US banks do not want a repeat of that here.
Last edited by wilsonck; 11/29/2015 07:59 PM.
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Do I need a pin to use my chip equipped credit car
#76529
11/29/2015 10:25 PM
11/29/2015 10:25 PM
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Joined: Nov 2006
Posts: 1,891
Bahston
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Posts: 1,891
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I look at some of the responses on this thread and wonder if the posters have ever actually tried to use a Chip-and-Sign card on either side of SXM or in Europe. Or if perhaps their experience isn't recent. I can't reconcile some posts with my personal experience. Some US banks issue Chip-and-PIN cards. See http://creditcardforum.com/blog/chip-and-pin-credit-cards-usa/
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Re: Do I need a pin to use my chip equipped credit car
[Re: Bahston]
#76531
11/30/2015 06:48 AM
11/30/2015 06:48 AM
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Joined: Jul 2006
Posts: 13,434 Peaceful Eastern North Carolin...
GaKaye
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Peaceful Eastern North Carolin...
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Bahston said:I look at some of the responses on this thread and wonder if the posters have ever actually tried to use a Chip-and-Sign card on either side of SXM or in Europe. Or if perhaps their experience isn't recent. I can't reconcile some posts with my personal experience. Some US banks issue Chip-and-PIN cards. See http://creditcardforum.com/blog/chip-and-pin-credit-cards-usa/ I'll repeat: we are on the island now, and have used our chip and sign card on both sides of the island with no problems. That may not be true at every single establishment, but that's been our experience this past week.
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Re: Do I need a pin to use my chip equipped credit car
[Re: Bahston]
#76532
11/30/2015 08:39 AM
11/30/2015 08:39 AM
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Joined: Dec 2004
Posts: 5,089 Massachusetts
boucharda
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Traveler
Joined: Dec 2004
Posts: 5,089
Massachusetts
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wonder if the posters have ever actually tried to use a Chip-and-Sign card on either side of SXM or in Europe. As was mentioned in the previous similar thread I personally had no problem using chip/sign card in Paris or southern France (May and September) and in SXM last January. They did NOT work in any unmanned terminals (metro, gas stations, toll booths etc.) which should not be an issue in SXM. I even tried the Citi AA card which they guaranteed would work in Europe..gave me a PIN...had me use it once in the USA to activate it and...nada. I will add that most but not all of my transactions were with cash obtained from an ATM which eliminates the issue.
Last edited by boucharda; 11/30/2015 08:42 AM.
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Re: Do I need a pin to use my chip equipped credit car
[Re: eilandmens]
#76534
11/30/2015 10:33 PM
11/30/2015 10:33 PM
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Joined: Jan 2013
Posts: 247 Okanagan Valley, BC, Canada
jaxon60
Traveler
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Traveler
Joined: Jan 2013
Posts: 247
Okanagan Valley, BC, Canada
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Canada did a soft change at both ends. We have chip/pin cards, but also still have the magnetic strip as well. And merchants have machines that can take the chip/pin cards and can swipe the old style cards.
My understanding it didn't happen that way and people from Europe had problems in the US when their cards had no meg strip and Americans had problems in Europe with cards without a chip.
Based on the experience of people of the Island now, it sounds like SXM did a mostly soft conversion, too.
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Re: Do I need a pin to use my chip equipped credit car
[Re: GaKaye]
#76537
12/01/2015 07:49 AM
12/01/2015 07:49 AM
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Joined: Jun 2005
Posts: 1,146 Louisiana
o2bnsxm
Traveler
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Traveler
Joined: Jun 2005
Posts: 1,146
Louisiana
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Plenty of confusing and conflcting info being offered here. Thanks to those that have actually used the cards on SXM and were able to provide their experience as to what was required (GaKaye <img src="http://www.traveltalkonline.com/forums/images/graemlins/Clapping.gif" alt="" />)
Last edited by o2bnsxm; 12/01/2015 07:52 AM.
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Re: Do I need a pin to use my chip equipped credit car
[Re: gotaluvit]
#76539
12/01/2015 09:58 PM
12/01/2015 09:58 PM
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Joined: Jan 2013
Posts: 247 Okanagan Valley, BC, Canada
jaxon60
Traveler
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Traveler
Joined: Jan 2013
Posts: 247
Okanagan Valley, BC, Canada
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While I am not questioning your information, there must be something on the merchant side as well. I have a chip/pin card, but at some merchants, here in Canada and other places, the card has to be swiped and a signature is required. It varies by merchant rather than card.
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Re: Do I need a pin to use my chip equipped credit car
[Re: o2bnsxm]
#76540
12/02/2015 01:40 AM
12/02/2015 01:40 AM
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Joined: Apr 2012
Posts: 52 Arizona
azranger
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Traveler
Joined: Apr 2012
Posts: 52
Arizona
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Some additional information on our experience in October may help clarify (or further confuse) the discussion. Where our card was used the merchants (including Grand Marche, Simple market, Petit Casino market, and a few others) had no reservation accepting it. However, several other places (including Bikini Beach, and two of the outdoor cafes a few doors down from Petit Casino) were cash only. Obviously establishments are handling the chip card issue differently. Also, where our card was accepted the cashier took the card and swiped it behind the counter so we did not insert it in the chip reader like we are doing now that we got back home.
Last edited by azranger; 12/02/2015 01:52 AM.
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Re: Do I need a pin to use my chip equipped credit car
[Re: gotaluvit]
#76542
12/02/2015 09:56 PM
12/02/2015 09:56 PM
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Joined: Jan 2013
Posts: 247 Okanagan Valley, BC, Canada
jaxon60
Traveler
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Traveler
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Posts: 247
Okanagan Valley, BC, Canada
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Thanks for the clarification. So I am guessing what we as end users see as differences from merchant to merchant are really differences from terminal to terminal based on the terminal's capability and the allowed verification methods from the card issuer.
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