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I just returned from Belgium. I made sure that all the cards I took had chips. Results were mixed: The train station kiosks recognized the cards as chip + sig
by chiph 11y ago
I just returned from Belgium. I made sure that all the cards I took had chips. Results were mixed: The train station kiosks recognized the cards as chip + signature even though I had a PIN for them, so I had to use the clerk to buy tickets. The payment terminals in restaurants asked for my PIN, but then rejected it. I suspect my bank (despite assurances) didn't enable it. I have no way to test my cards now that I'm back in the US, as the readers (for the stores that have them enabled) default to signature "verification". The whole situation is a mess.
- radnor 11y agoIt's been a while, but the last time I researched credit cards for chip+pin the US didn't have any readily available - they're all chip+signature. Even though you have a PIN I can guarantee that it's only good for cash-withdrawal transactions (e.g. as a debit card or a high APR cash advance).
- chiph 11y agoThis was USAA, which has a lot of members living overseas, so the assumption was that they're familiar with the requirements.
- kbart 11y agoAuthentication methods is an agreement between card and POS terminal with card having the final word. So yes, blame your bank for not configuring card parameters correctly.