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I wouldn't care about inserting my card to get its chip read if it was how all the readers worked. Instead, there's about a 50/50 chance that any swipe/insert reader actually isn't enabled to read your chip and you need to swipe it instead, so the net result is that you'll basically never get it right the first time you go to a store and try to use your credit card. It doesn't help that lots of the chip reader ports aren't marked and are barely visible so you swipe it then have to bang your card on the bottom of the reader like an idiot until you find where the card goes when it is enabled
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Apr 24, 2016 04:29
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Three Olives posted:No, I got this last week, everything everywhere is getting annoyingly secure. Are we preparing for the class wars? If this turns out anything like China, every delivery man in your area will have a copy of your key fob inside a month.
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Apr 24, 2016 04:38
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Terminal Entropy posted:Oh god, some of them have the two buttons for debit and credit, but they say credit on both buttons, but "process as VISA debit" or "process as VISA credit" above the buttons. Then they always end up hitting credit on the first time when they want cash back. For a while there was a CVS that had the cancel transaction button on the cash back screen in the same place OK was in the previous screen lmao
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Apr 24, 2016 04:40
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They're actually upgrading all the machines so that the chip card process happens in a couple seconds instead of the current eternity. But the lack of consistency is really what kills me. Sometimes I swipe and it says insert, sometimes I insert and it tells me to swipe, and then insert. It makes no loving sense.
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Apr 24, 2016 04:42
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2 weeks ago my debit card was declined after I got gas. went to the branch thinking it got flagged for fraud, turns out they just shut it down and said they were mailing out new cards. thanks for letting me know. still waiting for my new chip card in the mail, at least i have this temporary card I can't use to make online purchases with. i paid my CC bill my mailing a check with a stamp and an envelope this is a great leap forward
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Apr 24, 2016 04:49
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Three Olives posted:No, I got this last week, everything everywhere is getting annoyingly secure. Are we preparing for the class wars? Lol you don't have 2 factor auth to enter your domicile. Even my work elevator has that. Scrub
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Apr 24, 2016 04:56
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Tom Gorman posted:2 weeks ago my debit card was declined after I got gas. went to the branch thinking it got flagged for fraud, turns out they just shut it down and said they were mailing out new cards. thanks for letting me know. still waiting for my new chip card in the mail, at least i have this temporary card I can't use to make online purchases with. I travel a lot, to the same locale p much. Mine is canx every week. Pattern analysis is really hard I guess.
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Apr 24, 2016 04:58
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Three Olives posted:The US doesn't have Chip + PIN, it's Chip and signature because we are handling this whole thing as idiotically as possible. This is partially wrong. About half of the banks allow signature, but the other half are requiring pin in addition to the chip. At least, this is how it is in Ohio.
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Apr 24, 2016 05:07
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The US bank industrial complex is intentionally dragging it's feet in catching up with the adults in card security matters. Every time there is a data breach á la Target, Home Depot, Wal-Mart, etc., many banks mass-issue new cards to any consumers whose cards had activity there in the relevant timeframe. Those stores, per their card-processing agreements with the processing companies and issuers (banks), then have to pay steep penalties based on the number of affected cardholders. The banks and Visa WANT you to have less secure information so they can fine corporate customers for millions a pop, because they are insured against any loss write-offs from any of the miniscule percentage of actual fraud that will take place after a security breach. There is a concrete disincentive to update card transaction security. Fuuuuck yoooouuu americaaaaaa
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Apr 24, 2016 05:29
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Three Olives posted:The US doesn't have Chip + PIN, it's Chip and signature because we are handling this whole thing as idiotically as possible. The supermarket I shop at makes me do chip plus PIN and it takes forever because of all the menus and questions. If I try to swipe it the machine tells me to use the chip.
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Apr 24, 2016 05:31
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CubeTheory posted:This is partially wrong. About half of the banks allow signature, but the other half are requiring pin in addition to the chip. At least, this is how it is in Ohio. Debit cards still use a pin even with a chip, credit cards can't have a PIN for chip transactions.
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Apr 24, 2016 05:38
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most merchants in the usa are still dumb as gently caress when it comes to credit card processing bro. don't sweat it. ever since october 2015 they're treated the same as card nonpresent merchants (internet) and open themselves to a huge amount of liability if they don't have updated terminals. even with that, like 80%+ still don't have updated terminals that are pci compliant, which is nuts. and this is coming from a guy who runs a sales group for ignite payments, a first data company, who happens to be the worlds largest merchant service company.
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Apr 24, 2016 05:49
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Samsung Pay on my Note 5 is great, haven't come across a terminal yet that it hasn't worked Downside being if I ever get robbed the mugger can cut off a finger instead of puzzling out my PIN. The small amount of cash tucked into my sock is strictly to divert attention away from chopping off my hands.
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Apr 24, 2016 05:50
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Concerned Citizen posted:They're actually upgrading all the machines so that the chip card process happens in a couple seconds instead of the current eternity. reason for that is there were a bunch of sales groups, pos equipment manufacturers, and banks back in the early 00's, lots of companies sold equipment that wasn't actually compliant w/ emv's encryption scheme. so there's a lot of equipment out there a bunch of guys got scammed on really because there's no real way to update the encryption schemes on them. hosed up thing is that they're still treated the same under the merchant liability shift back this past october. meaning that holding onto their lovely nonfunctional equipment is leaving them open and liable for fraud. of course these merch service companies keep promising the equipment will get updated, which it never will. it's like signing a contract for insurance, and paying for it, with the promise that it will eventually become available. 5-HT fucked around with this message at 05:42 on May 5, 2016 |
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Apr 24, 2016 05:54
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Marenghi posted:What? so they've made the cards harder to clone, but there's still nothing to prevent thieves using a stolen one until it gets cancelled. Literally nothing. Most of them don't even have a picture. People with too much faith in society will sometimes write "see ID" in the signature line on the back of the card so that when someone runs their card they'll look at the back and see that and demand ID from the person using the card. Based on the way people reacted when I was running credit cards at work, I am apparently the only person in the entire country who ever has or ever will look at the back of a card and follow up on that. Sometimes people would get mad that I did the thing they asked me to, it's about that common for anyone to look. I think cashiers are supposed to hold the card and then compare the signature on the receipt and the card as a security measure and cards are technically invalid if not signed, but nobody anywhere has ever cared about any of that
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Apr 24, 2016 06:35
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lol what fresh hell is the USA that this is a thing? Europe literally mastered this technology 15 years ago, all about contactless now.
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Apr 24, 2016 06:44
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Marenghi posted:What? so they've made the cards harder to clone, but there's still nothing to prevent thieves using a stolen one until it gets cancelled. memorizing a 4 digit number is a big ask ok? the average american needs a year or two to work on that. (but I think the real answer is that physical theft of cards is less of a problem in the US than other places so it wasn't a priority.)
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Apr 24, 2016 07:10
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I remember when I stayed in Spain and they hadn't implemented paying with PIN in all the stores so sometimes I had to swipe the card, show ID and sign on a little electronic screen by the register. It was the most hilariously backwards thing I had seen. That was almost ten years ago. Also I saw an ad for some US bank that has the super convenient system where you can take a picture of a check to deposit it. I literally haven't seen a check in my life, and I'm over thirty. I've never paid a bill in the bank either, since I got online banking before 9/11. What I'm trying to say is, step up your game USA. You used to be cool...
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Apr 24, 2016 07:12
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I looooove my chip card. Makes going to Walmart so easy. Stick it in, wait for it to yell at you to take it out, done.
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Apr 24, 2016 07:33
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I heard that vendor software updates are coming soon so maybe it won't take 40 loving seconds of waiting for my credit card to process next time I buy some eggs and milk at Trader Joe's. The new chip-reading machines take longer than the old swipe-only machines, even for old cards without chips. You can't win. Besides the speed of the equipment, I have no complaints.
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Apr 24, 2016 07:41
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Bozza posted:lol what fresh hell is the USA that this is a thing? Europe literally mastered this technology 15 years ago, all about contactless now. The card companies in the us were pushing hard on tap to pay maybe 5-10 years ago and a lot of the major banks rolled it out nationwide but literally nobody liked it so they got rid of it and now we have chip cards for some reason Also Celluloid Sam posted:Oh I just noticed this was a three olives thread die bitch
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Apr 24, 2016 07:44
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Three Olives posted:No, I pay with my phone but one time I was at Whole Foods and I tried to pay with NFC twice and it said my card was declined and then I paid with the same card with the chip and it went through and I felt poor in line in front of a bunch of people at Whole Foods. So,it's not that the card is a problem, but basically it amounts to the fact that you felt humiliation over the fact that you imagined you were perceived as poor/financially irresponsible by a bunch of strangers. Sounds kinda shallow to me. However, I could be wrong.
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Apr 24, 2016 07:51
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America not making buying crap the easiest thing possible is surprising tbh
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Apr 24, 2016 07:52
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Luftvaffel posted:I remember when I stayed in Spain and they hadn't implemented paying with PIN in all the stores so sometimes I had to swipe the card, show ID and sign on a little electronic screen by the register. This is how credit works in the states except for the part where you prove you're allowed to have that card
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Apr 24, 2016 07:56
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We got Paywave at a major stadium as part of an international tournament and it makes it so much easier to piss money away. Guess it worked because now it's everywhere.
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Apr 24, 2016 08:45
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Haier posted:The supermarket I shop at makes me do chip plus PIN and it takes forever because of all the menus and questions. If I try to swipe it the machine tells me to use the chip.
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Apr 24, 2016 08:46
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Elukka posted:What kind of shameful machine is this? All the ones I've seen you just put in the card, input pin, push ok, done. What questions are there to ask? Confirm the amount and cash back are typical, many places ask if you want to donate to some random charity or want to use points or enter a loyalty card or in nightmare situations all of the above.
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Apr 24, 2016 08:48
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The worst thing is how they designed all the cards with the chip on the wrong side (at least all my cards, that is). If someone had a brain I could just swipe my card and then plug it right into the slot, but no - after I swipe it I have to flip it around first.
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Apr 24, 2016 09:02
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CubeTheory posted:This is partially wrong. About half of the banks allow signature, but the other half are requiring pin in addition to the chip. At least, this is how it is in Ohio. I'm in Ohio, and have yet to come across a chip+signature. It's all been PIN or nothing, if it's a credit card and not a credit/debit. And 3O is right about the "bonk bonk" noise, because I get a tinge of panic when the transaction goes through.
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Apr 24, 2016 09:34
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Welcome to about 15 years ago you giant whiny baby bitch, we've moved on to contactless now also you're a lovely person idiot scrub
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Apr 24, 2016 10:42
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Celluloid Sam posted:Oh I just noticed this was a three olives thread die bitch Exactly this. I have been reading the forums for 12 years and posting for 9, and I'm constantly wondering why this guy is still posting. I thought he'd got purged with the demise of old GBS, but he's still around. I genuinely don't get it.
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Apr 24, 2016 10:44
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cheerfullydrab posted:Exactly this. I have been reading the forums for 12 years and posting for 9, and I'm constantly wondering why this guy is still posting. I thought he'd got purged with the demise of old GBS, but he's still around. I genuinely don't get it. 2fat2purge
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Apr 24, 2016 10:46
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Pound_Coin posted:2fat2purge Usually bad posters get alienated, become the subject of a callout or doxx, are banned till they go away, or something like that, but this guy just keeps on going, posting a thousand threads a day like some demented RSS feed, no matter the moderation climate or what the current style of humor is. I'm not even trying to be insulting or calling him out, I'm honestly just shaking my head in wonderment and disbelief. Why?? Why is Three Olives still around???? edit: probably proof that there is no God edit2: i am honestly not trying to troll, or hate, or be disrespectful. these posts come from a place of genuine incredulity. Teriyaki Hairpiece fucked around with this message at 10:53 on Apr 24, 2016 |
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Apr 24, 2016 10:50
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cheerfullydrab posted:Usually bad posters get alienated, become the subject of a callout or doxx, are banned till they go away, or something like that, but this guy just keeps on going, posting a thousand threads a day like some demented RSS feed, no matter the moderation climate or what the current style of humor is. I'm not even trying to be insulting or calling him out, I'm honestly just shaking my head in wonderment and disbelief. Why?? Why is Three Olives still around???? because the only purging that works with three olives is the kind that comes after a meal and involves leaning over a toilet, crying and telling himself he's pretty
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Apr 24, 2016 10:51
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5-HT posted:most merchants in the usa are still dumb as gently caress when it comes to credit card processing bro. don't sweat it. ever since october 2015 they're treated the same as card nonpresent merchants (internet) and open themselves to a huge amount of liability if they don't have updated terminals. even with that, like 80%+ still don't have updated terminals that are pci compliant, which is nuts. and this is coming from a guy who runs a sales group for ignite payments, a first data company, who happens to be the worlds largest merchant service company. Slightly off topic, but you obviously know some poo poo about this poo poo. Do you think a stock like PAY (Verifone) is a good buy? I assumed they would go up more after the mandate for chip cards last year caused retail establishments to update their point of sale equipment.
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Apr 24, 2016 11:17
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Concerned Citizen posted:But the lack of consistency is really what kills me. Sometimes I swipe and it says insert, sometimes I insert and it tells me to swipe, and then insert. It makes no loving sense. That is the price of freedom, citizen. Freedom means every dumb little bank can make their own rules.
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Apr 24, 2016 11:17
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this is why I still pay with checks at the grocery store
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Apr 24, 2016 11:18
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Pound_Coin posted:because the only purging that works with three olives is the kind that comes after a meal and involves leaning over a toilet, crying and telling himself he's pretty I don't hate him, I don't want him to die, I just want him to go away. It's like that cloudly, rainy day in Fall where it's cold for the first time instead of just cool.
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Apr 24, 2016 11:22
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Maybe you shouldn't hold a grudge over some bad post 3O made 5 years ago or whatever you're going on about.
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Apr 24, 2016 11:27
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DeepQantas posted:Maybe you shouldn't hold a grudge over some bad post 3O made 5 years ago or whatever you're going on about. I wouldn't say I'm a good poster. But here's the thing, I can be bad, and also Three Olives can be bad at the same time. It's not a zero-sum kind of thing. I'm not setting myself up as some sort of arbiter of what is good or not good. I thought Three Olives was universally reviled and considered to be a bad poster, and has been for years. That's where my disbelief came from, and that disbelief has been what all my posts were about. Not petty insults or nonsense, just a big ol' "Huh??"
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Apr 24, 2016 11:37
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