credit card chip?

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#1
Florida
8 Posts
Joined May 2014
Hi Everyone,

Hopefully someone can help. Going on our first cruise this fall(Germany). Have been researching on credit card use, having the chip card vs. having mag. strip.

I keep getting conflicting answers on if you need the chip card or not.

Seems like some places take either, some don't.

Maybe someone who has been there recently can give a better answer?

Thanks in advance.
#2
Wht Mts, NH - Gulf Coast, FL
2,739 Posts
Joined Jun 2004
Originally posted by webetraveling
Hi Everyone,

Hopefully someone can help. Going on our first cruise this fall(Germany). Have been researching on credit card use, having the chip card vs. having mag. strip.

I keep getting conflicting answers on if you need the chip card or not.

Seems like some places take either, some don't.

Maybe someone who has been there recently can give a better answer?

Thanks in advance.
If you stick to the main tourist areas your regular swipe card should work just fine. Some of the unmanned kiosks at train stations, or smaller local shops will only accept cards that have chip & pin technology. An embedded chip card alone will not work. A true chip & pin card is next to impossible to get in the US. Some banks will tell you they have a chip and pin card, when in fact it has a chip and they will assign you a 4-digit pin code to use at ATMs for withdrawal. This is not the same, they are chip and signature cards.
This article may be helpful.
http://creditcardforum.com/blog/chip...dit-cards-usa/
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#4
Pacific Northwest
110 Posts
Joined May 2006
I have been looking into this for a while and the best deal right now seems to be with Pentagon Federal Credit Union. They offer a Chip and Pin VISA with no annual fee, no penalty fees and most importantly, no foreign transaction fees.

Membership can be an issue. I am not in the military nor a veteran or defense contractor. If you join one of several veteran support groups that they list, with a donation as low as $10, you can join the credit union with a $5 deposit into a savings account. Now, this is kind of an one-time fee but think of all the money you will save on foreign transaction fees.

Hope that helps.



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#5
Florida
20,315 Posts
Joined Nov 2008
If you stick to the main tourist areas your regular swipe card should work just fine...
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#6
Oregon (Portland area)
208 Posts
Joined Nov 2007
My Diners Club MasterCard came with a chip and a PIN, and that was several years ago. Unfortunately, when I went on my Baltic cruise one year ago, I didn't know my PIN and presented my card assuming I could use the swipe-and-signature method I use in the States. It was declined every time by the merchants. At my hotel in Copenhagen, the staff grudgingly allowed me to sign to pay my bill. So - when I traveled again to Europe this spring, I was prepared and knew my PIN. No problem anywhere. That's just one woman's experience . . .
#7
Madison, WI
470 Posts
Joined Mar 2006
I have the Barclaycard Arrival+ MasterCard, and they just started offering chip+pin cards earlier this month. I LOVE this card. If you spend $3000 on it in the first 3 months, you receive $400 in travel reward credit (which you can apply as a refund to any travel-related purchase on your card). They also offer a bunch of other travel-related benefits. New card members receive a 0% interest rate for 12 months and the annual fee ($89) is waived for the first year.

I've loved this card since I got it in February, but when they announced chip+pin I was over the moon. We got our new card this week.

I've never had a problem using swipe cards in restaurants or stores in Europe, but I know they're just increasing their use of this technology, and it's much more secure than just a swipe card.
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#8
Mackay Australia
786 Posts
Joined Jan 2010
I know not many cruise lines come to Australia but everyone who is intending to visit us in the near future you should be aware that after 31st July 2014 chip and pin will be the only option available to you when using your credit card.
#10
2,109 Posts
Joined Jun 2006
If you qualify for membership (veterans or family members), USAA offers a chip and pin MasterCard. We used this in Europe (April 2014) without any problems. Many merchants were quite surprised (and relieved) when they saw our card. They may have been able to debit using the older technology, but my impression was that it was more work for them.
#11
1,394 Posts
Joined Mar 2006
I have the chip and pin from Pentagon Federal Credit Union and it works great. Had no problem at all in Italy a few months ago. It worked at gas pumps and ticket machines.
#12
Riverview, FL
2,231 Posts
Joined Oct 2008
Originally posted by JerseyGem
If you qualify for membership (veterans or family members), USAA offers a chip and pin MasterCard. We used this in Europe (April 2014) without any problems. Many merchants were quite surprised (and relieved) when they saw our card. They may have been able to debit using the older technology, but my impression was that it was more work for them.
We just got our USAA chip&spin card. It is a "by request" card. I certainly can understand why they were one of the fist to offer the card as many of their members travel or live overseas.

The other side is that I am a member of a credit union which serves NC.....and I just got a chip&spin card from them. More and more companies are converting to the newer technology......which I think is great!
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#13
New Jersey, the Philly end
7,089 Posts
Joined Jan 2004
Originally posted by CaroleSS
We just got our USAA chip&spin card. It is a "by request" card. I certainly can understand why they were one of the fist to offer the card as many of their members travel or live overseas.

The other side is that I am a member of a credit union which serves NC.....and I just got a chip&spin card from them. More and more companies are converting to the newer technology......which I think is great!
Just got the USAA magazine yesterday. They are moving towards issuing chip cards when they issue/reissue. The article was not clear whether they would be PIN or sign.
#14
Florida
8 Posts
Joined May 2014
Thanks to everyone who replied to this question,was great to get answers quick from those who have "been there, done that".

Now we will just have decide which route to go in ref. to which card to take along.

This will be our first river cruise so very much looking forward to it.

Thanks again
#15
Australia
1,229 Posts
Joined Jun 2013
Originally posted by CaroleSS
We just got our USAA chip&spin card. It is a "by request" card. I certainly can understand why they were one of the fist to offer the card as many of their members travel or live overseas.

The other side is that I am a member of a credit union which serves NC.....and I just got a chip&spin card from them. More and more companies are converting to the newer technology......which I think is great!
What is a 'chip&spin' card. I don't think we have them over here.
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#16
Pacific Northwest
110 Posts
Joined May 2006
Or is that "Sit and Spin"?!? :-) I think it is an auto correct typo.


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#17
CA
37 Posts
Joined Jan 2012
Originally posted by webetraveling
Hi Everyone,

Hopefully someone can help. Going on our first cruise this fall(Germany). Have been researching on credit card use, having the chip card vs. having mag. strip.

I keep getting conflicting answers on if you need the chip card or not.

Seems like some places take either, some don't.

Maybe someone who has been there recently can give a better answer?

Thanks in advance.
I'm in Germany right now, travelling on the River Princess along the Main (today) and I've run into more than a couple places where I've needed the chip and pin (which I have). My brother has a card without a pin and he's had to have his wife swipe her card (which has a pin) a couple of places, including in touristy stores like Kathie Wolfarts. I don't know what would have happened if he's protested, but since his wife's card has the pin they haven't had an issue.

Just my .02 and what I'm experiencing now. I am NOT an expert. Just using my USAA chip and pin and happy I have it.
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#18
3,885 Posts
Joined May 2009
I'm thinking this is going to be an issue more and more. My experience was that the shop girl was forbidden by her boss to accept any card that did NOT have a pin... In other words American tourists mostly.


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#20
1,882 Posts
Joined Sep 2009
Originally posted by steamboats
Interesting, I´m German and I´m living in Germany and never had to use my Pin with my credit card (except for any machines but there I´m using my debit card). Although the shops do use the chip for getting the data I always can sign.

steamboats
Expect that to slowly change even in Germany ...

The retailer's already limited fraud protection will be virtually eliminated if they do not insist on the use of the pin.

Tourists are perhaps more likely to encounter this problem than regular customers, but eventually it will come to everyone ...