Chip Credit Card?

[countrygirl12]

Do any of you have one of those new credit cards with a chip? I thought it was a hassle at first, but now I am getting to like it.

You can't just swipe your card, you need to insert it into a slot and wait for it to process.

I understand it protects you better, so it is probably worth it.

Pretty much everyone will have them.  That is what they are ALL going to.

[alina6]

I have one but haven't used it except on-line. I'm not exactly sure what you need to do with it if you can't swipe it.

[teresa3200]

My husband got his new cc with the chip, he only uses that card for online recurring payments(sunpass..ect..) and very occasionally offline. But rarely uses the card. It was less than 2 weeks after getting his new card and activating it he received a text message, email, and phone call saying his account had suspicious activity. So they cancelled his card and issued a new one, but this was as soon as he got the one with the chip.

[vg7405]

At first, I thought the chip card was going to be an inconvenience. But, considering the hacking disaster at Target (among other such events), they are worth it. Besides, it's only a few more seconds of simply inserting the card into the machine. Ironically, I received my updated travel card yesterday.

[monnee]

I heard in the news that all credit cards are suppose to have the chips by last Thursday, but some companies haven't sent the new cards out yet.

[sherryinutah]

I've notice that Walmart is now treating my credit/debit cards like a chip card.  If I try to swipe it I'm informed that I must "insert" it, instead.

 

[heypeg]

I can't wait to get one. I[m tired of all these breaches.

[DeliriousKris]

Three of my cards (all through Chase) now have this new chip technology.
I've noticed that Wal-Mart now requires you to use the chip, but everywhere else I've been still needs you to swipe the card.

My main card for my checking account still does not have the chip, and I am hoping I get a new one soon, before everywhere switches over!

[jenniferhoder]

Yes, my bank already changed my debit card over to the new chip card. If if protects me more, I am all about it even if it takes longer!

[dwggs]

Yes I have one but have not activated it yet ... guess I better get on the ball and get it done

[countrygirl12]

Do any of you have one of those new credit cards with a chip? I thought it was a hassle at first, but now I am getting to like it.

You can't just swipe your card, you need to insert it into a slot and wait for it to process.

I understand it protects you better, so it is probably worth it.

How does it protect you better?  A guy I talked to the other day pointed out all you do is shove the card in the slot and you do not enter a pin or sign or anything.  So looks to me like it is easier for theft to occur.  At least with the other cards you had to enter a PIN or sign something.

[countrygirl12]

I never heard of a credit card like that before.

Do you use credit cards?  They are ALL going to that.

[countrygirl12]

I have one but haven't used it except on-line. I'm not exactly sure what you need to do with it if you can't swipe it.

You shove it up in the little slot on the bottom of the card reader.

[countrygirl12]

I've notice that Walmart is now treating my credit/debit cards like a chip card.  If I try to swipe it I'm informed that I must "insert" it, instead.

 

You can't "insert" it if it doesn't have the chip.  Most cards do not have them yet.  I have had people tell me that the cashiers get pretty hateful insisting they do not swipe the cards.

[squirrelgirl44]

I do not like them so far. I have had the chip card for a few months but no retailer ever asked me to run as a chip card. I was at Home Depot. Insert as a chip card. Put in my PIN. Declined. Try again. Declined. (I have PLENTY to cover the transaction). Call my bank - the error they see is "expiration date does not match." Uh. I never was asked to put in my expiration date, nor was the cashier. How could the date not match? My card expires in 2019? Home Depot cannot let me swipe because the system requires them to use the chip machine if it recognizes the card as having one. Bank says there is no real reason it should be declined but they cannot force the transaction through. After 45 minutes a manager at customer service allowed me manually type in my card, expiration date and 3 digit code and it went through.

Went to Target the following night and almost an identical situation happened. Ordered a new debit card to see if that fixes the problem but have not yet tested it out.

All this "protection" seems to only prevent ME from getting to MY money...