MargeSimpson
Registered User
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My bank sent out my new cc's recently, but they are not chip and pin! Do you have to request cc's?
Key Post: New chip and pin cc
- Thread starter MargeSimpson
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moneyhoney
Registered User
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Re: New chip and pin cc
Depends on which bank you are with - not all banks are issuing new cards immediately.
Depends on which bank you are with - not all banks are issuing new cards immediately.
MargeSimpson
Registered User
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Re: New chip and pin cc
Yip, they had no gold chip on them. Just plain ol' cards.
One shop I went to told me that they would not accept payment by cc if the transaction did not use new chip and pin. Apparently it will become mandatory to use a pin number.
Yip, they had no gold chip on them. Just plain ol' cards.
One shop I went to told me that they would not accept payment by cc if the transaction did not use new chip and pin. Apparently it will become mandatory to use a pin number.
U
Unregistered
Guest
Re: New chip and pin cc
Request you bank to reissue it with a chip and pin, they usually do it with no bother.
As soon as the chip and pin credit card was introducted in Ireland, we ask our bank to issue it to us without waiting for the renewal and they done it with no problem. The bank in question was Ulster Bank
Request you bank to reissue it with a chip and pin, they usually do it with no bother.
As soon as the chip and pin credit card was introducted in Ireland, we ask our bank to issue it to us without waiting for the renewal and they done it with no problem. The bank in question was Ulster Bank
S
setanta
Guest
Re: New chip and pin cc
got my new card last week. Rang MBNA to confirm receipt and also to authorise it. Mbna rep was friendly but very very pushy about protection insurance which I don't have and don't wany. Boy did he try the hard sell. But in the end he gave up first. Anyway on Friday morning got a letter from One Direct to the effect that if my credit card debt etc was high I should take out a loan with them and instead of cutting up card etc should clear it off with a 'competitive' loan from them. out of curiosity I checked their figures against a loan I had negotiated myself with Bank of Ireland in June '02 to change car and bit of tidying up cash.
One direct €20,000 over 5 years (60x 414.76) apr 9.99% total repayments €24957.60 including an application charge of €72. This €72 Appears to be the same regardless of the amount borrowed or term of repayments
Bank of Ireland loan €20,000 5 years (60 x 394.25) apr 7% total repayments €23655. I opted for 5 years fixed but get a letter each year from boi which refers to something called 'rollover' which I dont understand and just bin. and to add to the plot, my credit card is currently in credit and I NEVER pay interest and its with - One Direct.
got my new card last week. Rang MBNA to confirm receipt and also to authorise it. Mbna rep was friendly but very very pushy about protection insurance which I don't have and don't wany. Boy did he try the hard sell. But in the end he gave up first. Anyway on Friday morning got a letter from One Direct to the effect that if my credit card debt etc was high I should take out a loan with them and instead of cutting up card etc should clear it off with a 'competitive' loan from them. out of curiosity I checked their figures against a loan I had negotiated myself with Bank of Ireland in June '02 to change car and bit of tidying up cash.
One direct €20,000 over 5 years (60x 414.76) apr 9.99% total repayments €24957.60 including an application charge of €72. This €72 Appears to be the same regardless of the amount borrowed or term of repayments
Bank of Ireland loan €20,000 5 years (60 x 394.25) apr 7% total repayments €23655. I opted for 5 years fixed but get a letter each year from boi which refers to something called 'rollover' which I dont understand and just bin. and to add to the plot, my credit card is currently in credit and I NEVER pay interest and its with - One Direct.
R
redsfamily
Guest
Re: New chip and pin cc
banks do not have to issue chip and pin cards et. i know that barclaycard Initial cards are still signature, which isn't a problem. the merchant cannot refuse to take a signature card, if it was a chip and pin and you didn't know the pin then they can refuse as they have to take the loss if it turns out to be fraud.
some people with disabilities will always have signature cards so don't worry, if your refused contact your bank/credit card company and the will deal for you
m
x
banks do not have to issue chip and pin cards et. i know that barclaycard Initial cards are still signature, which isn't a problem. the merchant cannot refuse to take a signature card, if it was a chip and pin and you didn't know the pin then they can refuse as they have to take the loss if it turns out to be fraud.
some people with disabilities will always have signature cards so don't worry, if your refused contact your bank/credit card company and the will deal for you
m
x
Re: New chip and pin cc
I rang Bank of Ireland last week and they said they not issuing Chip and Pin cards until May and that a retailer CANNOT refuse to accept your card.
I also have an MBNA card and did not know pin number but shop accepted it all the same.
I rang Bank of Ireland last week and they said they not issuing Chip and Pin cards until May and that a retailer CANNOT refuse to accept your card.
I also have an MBNA card and did not know pin number but shop accepted it all the same.
Re: New chip and pin cc
Are you sure about this? According to the UK Chip & Pin site, the card looks the same as before. I got my new Amex Blue card today, and it looks identical to the last one. I'm assuming it is Chip & Pin enabled, as Amex are part of the [broken link removed]. Is this a safe assumption?ClubMan said:
MonsieurBond
Registered User
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Re: >>New chip and pin cc
BOI appear to be very much behind other Irish card issuers in moving to Chip & PIN.
All Irish issuers were originally supposed to have switched by the start of this year!
Still, retailers are supposed to accept non-chip cards indefinitely as "foreign" cards (non-EU, American cards etc) may not ever have chips on them.
(Americans can't be expected to remember Pins!
)
BOI appear to be very much behind other Irish card issuers in moving to Chip & PIN.
All Irish issuers were originally supposed to have switched by the start of this year!
Still, retailers are supposed to accept non-chip cards indefinitely as "foreign" cards (non-EU, American cards etc) may not ever have chips on them.
(Americans can't be expected to remember Pins!
)Re: >>New chip and pin cc
when everyone finally has chip and pin, i think the biggest change from what I read, is that a retailer who accepts a signature card which is stolen will be the one liable for the hit, not the banks. It pushes the burden from the banks to the retailer..that was my understanding.
when everyone finally has chip and pin, i think the biggest change from what I read, is that a retailer who accepts a signature card which is stolen will be the one liable for the hit, not the banks. It pushes the burden from the banks to the retailer..that was my understanding.
D
daltonr
Guest
Re: >>New chip and pin cc
They rely on the fact that a certain proportion of people applying for credit really feel they need it, and with a little push they can be convinced to take whatever is going if it will smooth the path to getting the credit.
This is one of the Top 2 or 3 issues that should be tackled in the personal borrowing industry, along with pre-approved loans which I think is now getting looked at finally.
-Rd
They rely on the fact that a certain proportion of people applying for credit really feel they need it, and with a little push they can be convinced to take whatever is going if it will smooth the path to getting the credit.
This is one of the Top 2 or 3 issues that should be tackled in the personal borrowing industry, along with pre-approved loans which I think is now getting looked at finally.
-Rd