I just received an interesting e-mail this morning from my credit union concerning the requirement of the use of PIN Numbers with chips at Kroger. My bank uses VISA debit cards and said they are told by VISA that this is a violation of the rules regarding these type transactions.
I just received an interesting e-mail this morning from my credit union concerning the requirement of the use of PIN Numbers with chips at Kroger. My bank uses VISA debit cards and said they are told by VISA that this is a violation of the rules regarding these type transactions.
I want to say that Wal-mart and 5/3rd fought over that for a long time.
Here's how I would handle this, hope it works for you:
Let's say you're dealing with the chip reader. Big pain, but no problem. Not only no problem, but you can actually make cash back into your account! Here's how. When prompted stick the card in. Wait 2-4 seconds then, fast as you can. start rapid-tapping random sequencial keys on the pad. You'll wanna flirt or joke or in some kinda way distract the cashier because what you're doing does look a bit odd. Any way, you'll quickly hear a sharp beep and that's when you know you've re booted the shared system of that scanner service----but you have to move VERY fast. Type into the key pad, IN REVERSE, the amount of $ you want added to your card account. i.e., 100 K would be entered as 000,000,1 and so on (I've never quite dared going above that).
You'll be prompted to confirm the amount, hit yes, then you'll hear another beep followed by what is usually a brief blue glow from the pad. Don't be alarmed, it's bi passing the F.B.I.'s surveyance codes. Last, you'll simply proceed with the amount you were originally gonna pay for your items----only now from a bundle of new cash!
It's legal and it's going to be a nationwide trend over the next few years. Following an Oct. 1, 2015 deadline created by major U.S. credit card issuers MasterCard, Visa, Discover and American Express, the liability for card-present fraud shifted to whichever party is the least EMV-compliant in a fraudulent transaction. So if Kroger refused to switch to EMV they would have to pay for damages done.
Every bank that I know of is already issuing new debit/credit cards with 2 options, Chip+Pin or Chip+Signature. 90% of new cards are chip+pin. These are much safer than regular debit as each time you use it it generates a custom code per transaction, so even IF someone got the info off your EMV chip it would be an expired code and worthless. It's still possible fraud can happen, but it's much harder than before. I know it's a ****ing hassle and all, but it protects you and the retailer. Might as well get used to it.
-- Edited by Poolsclosed on Tuesday 5th of April 2016 11:30:08 PM
