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Can I Swipe My New EMV Credit Card?

Deal Hound 2,084 July 19, 2016 at 04:39 PM
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I just received a replacement credit card in the mail with one of those newfangled EMV chip things with the gold contacts.

Since the card also has a mag stripe, can I continue to just swipe it? Or are do the terminals that support EMV cards recognize the card as being an EMV card and deny swipe transactions to limit the merchant's fraud liability?

I've seen other people trying to "dip" their cards, and it looks like a real pain waiting while it does it's thing and then always remembering to retrieve your card.

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Joined May 2004
L7: Teacher
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#2
I think I just found the answer [nytimes.com].

Quote :
But new machines will prompt users who swipe a chip card to dip it instead.
I guess that should have been logically obvious. Otherwise, fraudsters could just duplicate mag stripes and defeat the purpose of having EMV chips.

I think I'll just go back to cash for the convenience of not having to dip and wait.
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#3
Quote from Deal Hound View Post :
I think I just found the answer [nytimes.com].



I guess that should have been logically obvious. Otherwise, fraudsters could just duplicate mag stripes and defeat the purpose of having EMV chips.

I think I'll just go back to cash for the convenience of not having to dip and wait.
You get used to it pretty quick, just don't leave your card in the machine. You will miss the rewards too much to use cash.
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#4
Once the retailer enables EMV it will force EMV cards to use the chip reader. Most retailers also have a very prominent noise to grab your card. Think of it as the "you left your door open on your car annoying beep". A local retailer here has a warning siren and its a bit strange but you aren't oblivious to the fact that you need to remove your card.

You will be able to swipe anywhere that is not enforcing EMV chip reading. That will slowly start going away as more and more places adopt EMV.
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Joined Aug 2005
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#5
It depends on the store, if the store has chip enabled then if you swipe it will tell you to use the chip. For stores that don't yet have chip readers you swipe. Kind of obvious.
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Vague questions receive vague answers . . . . . .
#6
Nothing stopping you from using cash, and the 10-15 second wait is a little annoying, but I'd wager it's faster than pulling out cash and waiting for the cashier to count it, make change, and recount the change for you.
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Joined Nov 2005
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#7
YMMV. Many stores have the readers but haven't "enabled" them yet. Frankly it's annoying. If you swipe a chip card in an enabled reader it will beep telling you to insert it. If you insert it and the chip reader isn't enabled it simply won't do anything.
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