They also have been known to install the unauthorized scanners inside
gas pumps and on the front of ATMs. You do the best you can to stay
aware but you still may fall victim. Fortunately for me there is no
loss for any unauthorized charges on my card so I don't lose much
sleep over it.
It depends what POS business has. My store can swipe, read chip, RFID
(which POS terminal can read within ~one foot). You don't even need to
tap. I seldom see worn out chips, unable to read them. Maybe we swipe
cards only couple times a month. My family never uses RFID, only chip.
Good you mentioned that. There is confusion here. There is a
difference between the RFID and chip cards. It is the RFID cars that
have the potential to give up some information, but the chip cards do
not. They are adding security to the transaction.
| Should I destroy the RFID and just use the
| magnetic swipe?
I would and do. With my last card I asked for
non-RFID and they refused to issue it, so I
found the chip and drilled it out with a very
Some chips can be found because there's a
small bump. Some can be seen through light
cards. If you can't find it you may need to
order an extra card so you'll have one to shave
away looking for the chip, thus telling you
where to drill.
Another convenient thing is software to check
the chip, to make sure you killed it. I looked
around and found that no one sells readers,
but then I discovered there's a free Android
app that can do it. A friend has an Android
phone. I downloaded the free app and held
the card under the phone to show the chip
ID number. I then drilled out the card and
checked again to make sure it was "dead".
I wouldn't. Come this October, retailers will be responsible for any fradulent
transactions caused by use of the mag stripe on an EMV ("chip") card. Because
the retailers will not take on that risk, they will honer the flag encoded on
the mag stripe that indicates the card is an EMV card, which means you won't be
able to use it.
| I wouldn't. Come this October, retailers will be responsible for any
| transactions caused by use of the mag stripe on an EMV ("chip") card.
| the retailers will not take on that risk, they will honer the flag encoded
| the mag stripe that indicates the card is an EMV card, which means you
| able to use it.
That's possible. They are trying to switch over.
If it happens I'll worry about it then. In the
meantime, I have 4 cards and only one is (was)
chipped. And not all of them are due to expire
It's also not clear to me exactly how that works.
The October rule may make a merchant responsible
if they don't have a chip reader. That's not the
same thing as having a chip reader but the card
having a dead chip.
The chip cards in Europe are at least backed up
by also requiring a PIN number. That's apparently
not going to happen in the US. If I eventually have
to accept the chip I'll keep the cards in a fold
of aluminum flashing, which I already have in
my wallet. I'm trying to phase out use of credit
cards, anyway. But I'm also concerned not only
with potential security problems but with the
increasing use of tracking. Over time, chip cards
could end up being used like cookies online, cellphones,
or EasyPass on highways -- as a way to track people.
The chip cards in Canada are all chip-pin.
If the US banks do any different they are more foolish than I even
thought. They HAVE to be chip and pin to work with the Interac banking
system. (world wide interbank system)
Having had a great deal of experience using chip cards around the world, I can
tell you EMV cards do not have to be PIN enabled to be used globally. The card
tells the credit terminal what type of verification method to use. If the
terminal is capable of supporting that type of verification, the transaction is
In the case of a US card that is programmed to prefer signature verification,
the card terminal checks to see if it can either print a paper signature slip or
capture the signature electronically. If either of those happen, the transaction
If the card is programmed as signature preferred, but has Online PIN as a
secondary verification method and the terminal has a PIN pad (think gas pump or
train ticket kiosk), a PIN is requested and the transaction is processed.
If the card doesn't have a PIN (ie Signature only), or the card is programmed to
check the PIN validity with the issuer (ie online PIN only) and the terminal is
an offline device (ie some gas pumps or kiosks), the transaction is declined.
PIN goes with chip. rarely chip is damaged and unable to read, then
POS handheld unit requests to swipe the card, print out hard copy for
signature and receipt for card holder. I never saw a card without chip
has PIN. What is such a big deal? Canada as well as whole world has been
using chip and PIN for many years already. Maybe because smart
card(chip) is an European invention. In some things, U.S. is far
Not so much that it is european - it's just "not made here" If a Yank
didn't invent it, they don't want it.
Add to that, anything "mandated" or that could possibly collect any
data on the user is immediately suspect.
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