RFID Protectors - How Long Useful? - Page 3

mima · ‎03-14-2010

@sunshine45 wrote:
the majority of my credit cards now do not have a chip. i HAVE received a few with a chip, but no PIN needed......they never sent me, nor have i selected a PIN.
interestingly, i have not seen these at our walmart stores (as some have mentioned) and even my walmart card is not chipped.

i own two businesses and we do not have chip technology terminals installed nor do we plan to anytime soon. no one is pushing them from merchant services or the bank either.

I got one of the new machines because I was told if there is fraud because you aren't using an updated machine, you will be responsible for the charges. I didn't want that.

sfnative · ‎03-10-2010

@mima wrote:
@Venezia wrote:
@mima wrote:
As far as I know, we will be using chip and signature machines and not ship and pin machines at least for now.

Maybe in the future pins will be required but for now signatures is all that is needed even if your card has a chip in it.
Not true where I am. All the Walmart stores have the new card readers and, if your card is a "chip and pin", you must enter the PIN. You are no longer allowed to just slide your card and sign. Their system does not allow it and you would have to use a different payment method.
I have the new chip reader credit card machine in my store. They have never told me anything about needing a pin. I have run sales on chip reader cards. The machine won't let you swipe the card if it has a chip reader. You have to leave the card in during the transaction. My machine only requires a signature and not a pin. It is a brand new machine that is compliant with what I have to have. I wonder why the difference?

I got a new credit card with the chip in it to replace my old card. They did not give me a pin for it.

If you use a debit card and it is swiped as a debit card you used to have a pin number but if you run it as credit you didn't. I don't know if it is the same or not. Are you using a debit card or credit card? I'm confused on why the difference.

@mima

@Venezia

Though I'll admit I have very little knowledge on board regarding this subject, I can tell you that the Department of Defense (my former employer) distributed and, therefore, required use of chip and PIN (CAC Cards), which actually turned into our primary I.D. while on base at least 9 years ago. Without it, one could not access computers and other devices at the hospital.

That gold chip on my card functioned at 100% until I retired. Never had an issue with it, even after thousands of inserts, etc.

Re the radio frequency card(s) - don't know that I'd want to have that one IOTA..... Security being the issue in this case. Don't want my 1s and 0s available for what I believe will be a burgeoning but different type of hacking.

Edited to add that you can see a CAC card on episodes of "NCIS."

1MrsT · ‎03-13-2010

Chip technology credit cards come in two main varieties, and it's important to understand the differences between them as you may very well end up using one of these cards in the near future.

Chip-and-signature credit cards contain a microchip but do not require you to enter a PIN when making a payment. If you are used to the simplicity of swiping your magnetic stripe card then you will probably be comfortable with a chip-and-signature card.

Only your signature is required to complete a transaction with this type of card, so you can enjoy the same convenience you get with a magnetic stripe card. The difference is that your credit card data is much more secure, so you will have less to worry about in the case of an information breach.

Many US banks and credit unions already offer chip-and-signature credit cards. I expect that most merchants making the switch to chip technology from magnetic stripe cards will accept chip-and-signature cards for some time.

Since these cards also provide a PIN which you can use for terminals that require them, they can also be used when you travel outside of the US to countries where terminals make you enter a PIN.

Chip-and-PIN credit cards require you to enter a Personal Identification Number (PIN) every time you pay with your card. The obvious benefit is that if somebody steals your credit card, they won't be able to use it if they don't know the PIN.

This is a great security feature, but it makes paying with a credit card slightly more complicated and time consuming. For example, you cannot hand your credit card to the waiter at a restaurant and simply sign the receipt. Instead, you will have to enter your PIN on a terminal to complete the payment.

Chip-and-PIN cards will probably become more common in the US within a couple of years, following the 2014 Executive Order to replace the magnetic stripe with the Chip-and-PIN system for credit cards issued by government agencies.

Be kind, for everyone you meet is fighting a hard battle.
~ Ian Maclaren

Nightowlz · ‎03-11-2010

@Venezia wrote:
@mima wrote:
As far as I know, we will be using chip and signature machines and not ship and pin machines at least for now.

Maybe in the future pins will be required but for now signatures is all that is needed even if your card has a chip in it.
Not true where I am. All the Walmart stores have the new card readers and, if your card is a "chip and pin", you must enter the PIN. You are no longer allowed to just slide your card and sign. Their system does not allow it and you would have to use a different payment method.

Our Wal-Mart does not have those here. I was just there week of Halloween & I slid my card as usual. I have never entered my pin# when I use it. The only time I use my pin# is when I get cash at one of the anytime bank machines.

Pearlee · ‎06-11-2011

@Nightowlz wrote:
I have never entered my pin# when I use it. The only time I use my pin# is when I get cash at one of the anytime bank machines.

The only one that requires I enter my PIN so far is Target. And I have to - I used it there over the weekend. Of course, Target got hacked into a couple of years ago so maybe they're being more particular than others.

Melania · ‎06-12-2013

@mima wrote:
@sunshine45 wrote:
the majority of my credit cards now do not have a chip. i HAVE received a few with a chip, but no PIN needed......they never sent me, nor have i selected a PIN.
interestingly, i have not seen these at our walmart stores (as some have mentioned) and even my walmart card is not chipped.

i own two businesses and we do not have chip technology terminals installed nor do we plan to anytime soon. no one is pushing them from merchant services or the bank either.
I got one of the new machines because I was told if there is fraud because you aren't using an updated machine, you will be responsible for the charges. I didn't want that.

That's true and I believe they said everyone need's to be on board by 2017.