Does your American state driver license have a little gold star? Does your credit /debit card have an RFID chip?

[UberMink]

I had my cc skimmed a few months ago, and I learned a few things about that new chip.

If a retailer does not use the chip and it turns out the card was a fake (skimmed), then the retailer is responsible for the loss.

They only got me for a few hundred bucks, and it didn't cost me a penny, nor my bank. The retailers did not use the chip, so they ate the loss according to my bank.

I had to replace my debit card 4 times in 1.5 months because the chip reader failed to read the chip. No retailer would enter the numbers manually. That's really embarrassing when there are a lot of people in line at the counter waiting for me to get my purchase straight.
Our bank has the same safeguard. Thank goodness.

It is weird that it looks just like the chip on my cell's SIM card.

 

[Razeontherock]

I think we should just realize credit cards are of the devil and only use cash.

I kid - sorta

 

[stovebolts]

I had to replace my debit card 4 times in 1.5 months because the chip reader failed to read the chip. No retailer would enter the numbers manually. That's really embarrassing when there are a lot of people in line at the counter waiting for me to get my purchase straight.
Our bank has the same safeguard. Thank goodness.

It is weird that it looks just like the chip on my cell's SIM card.

That would be embarrassing. When my card got skimmed, my credit union was able to make me a replacement rfid card the same day. Did your card ever work, or did it fail 4 times in that time period? Wow!

 

[UberMink]

That would be embarrassing. When my card got skimmed, my credit union was able to make me a replacement rfid card the same day. Did your card ever work, or did it fail 4 times in that time period? Wow!

Woohoo, you've got a fancy "bank" . My bank couldn't change the RFID chip. Or if they could never said anything in that regard. Nope, I had to get a temporary card, which I preferred because it works and no chip issues, and use that until the brand new replacement debit arrived.
After the fourth time waiting for new cards and using the temporary one I found out that the fourth card hadn't been entered properly for replacement. How do you imagine I found that out? Oh, it was even more embarrassing than the fun times before.
I get to a store with quite a bit of items in the bags ready to go but just needing to be paid for. I slide the metal strip on the temporary debit and it is INVALID!
Oh yeah, there was that one other little thingy the banker that gave it to me didn't mention. They expire in 30 days! Just to preclude debit card holders from using them because, yes, you guessed it, the customer is tired of the chip-glitch.
The lady at the register, the only one open, with a line of folks behind me had to void the sale item by item.
Because their system wouldn't let a whole sale void happen because I'd swiped my card twice and the system shut down on the sale itself as a ....ready? Fraud precaution. Because first it wasn't a chip card and then when the metal strip didn't work and, "invalid" , popped on my side of the swipe machine, that and more apparently popped in their store system.

At that point I was waiting for cops to show up. Because the temp cards just have the number raised on the front of them. No customer name. The banker just goes in their desk, gives it to the customer who activates it with the PIN they use on their normal chip card, and everyone expects the real chip debit to arrive within 7 to 10 days.
But my temp debit was the one I was using in that time span when my chip replacement cards were failing with regularity.
It's pretty bad when a temporary debit works without fail for 30 days, but expires at the 30 day mark only because four actual chip debit cards failed within that same time period.

I love cashless society!
It was a great lesson from God as to how vital it is to have cash at the ready. Not in the bank ready because that card issue can happen. But at the ready as in getting my hands on paper when needed.
I've found that when things go really weird or things that should work don't that if I take a deep breath and think, this is God showing me something other is about to happen for the better, it does. Whereas before I'd get frustrated thinking, what the heck! This doesn't make any sense!
As soon as I let that way of thinking go, took that deep cleansing breath and said to myself, OK dad what are you about this time? I'd find out. And what became the alternative thing after what should have worked as usual was awesome. And what was even better? As it happened I saw the hand of Father at work.

So really, it isn't all bad. Now I keep cash on hand just in case. And I buy little amounts of silver and gold, as well as those one ouncers. Because if anything ever goes left in America having to pay for bread and water and rice with a one ounce bar of silver or gold is a jip when I could have bought it for something smaller had I thought to stock up on those.
With God life is never a dull moment. I love that.

 

[stovebolts]

Woohoo, you've got a fancy "bank" . My bank couldn't change the RFID chip. Or if they could never said anything in that regard. Nope, I had to get a temporary card, which I preferred because it works and no chip issues, and use that until the brand new replacement debit arrived.
After the fourth time waiting for new cards and using the temporary one I found out that the fourth card hadn't been entered properly for replacement. How do you imagine I found that out? Oh, it was even more embarrassing than the fun times before.
I get to a store with quite a bit of items in the bags ready to go but just needing to be paid for. I slide the metal strip on the temporary debit and it is INVALID!
Oh yeah, there was that one other little thingy the banker that gave it to me didn't mention. They expire in 30 days! Just to preclude debit card holders from using them because, yes, you guessed it, the customer is tired of the chip-glitch.
The lady at the register, the only one open, with a line of folks behind me had to void the sale item by item.
Because their system wouldn't let a whole sale void happen because I'd swiped my card twice and the system shut down on the sale itself as a ....ready? Fraud precaution. Because first it wasn't a chip card and then when the metal strip didn't work and, "invalid" , popped on my side of the swipe machine, that and more apparently popped in their store system.

At that point I was waiting for cops to show up. Because the temp cards just have the number raised on the front of them. No customer name. The banker just goes in their desk, gives it to the customer who activates it with the PIN they use on their normal chip card, and everyone expects the real chip debit to arrive within 7 to 10 days.
But my temp debit was the one I was using in that time span when my chip replacement cards were failing with regularity.
It's pretty bad when a temporary debit works without fail for 30 days, but expires at the 30 day mark only because four actual chip debit cards failed within that same time period.

I love cashless society!
It was a great lesson from God as to how vital it is to have cash at the ready. Not in the bank ready because that card issue can happen. But at the ready as in getting my hands on paper when needed.
I've found that when things go really weird or things that should work don't that if I take a deep breath and think, this is God showing me something other is about to happen for the better, it does. Whereas before I'd get frustrated thinking, what the heck! This doesn't make any sense!
As soon as I let that way of thinking go, took that deep cleansing breath and said to myself, OK dad what are you about this time? I'd find out. And what became the alternative thing after what should have worked as usual was awesome. And what was even better? As it happened I saw the hand of Father at work.

So really, it isn't all bad. Now I keep cash on hand just in case. And I buy little amounts of silver and gold, as well as those one ouncers. Because if anything ever goes left in America having to pay for bread and water and rice with a one ounce bar of silver or gold is a jip when I could have bought it for something smaller had I thought to stock up on those.
With God life is never a dull moment. I love that.

Haha! I dont know if om supposed to laugh, cry or sing haliluah after all that!
I shall be as a pharisee. Thank you God for bringing me to a bank that takes good care of me, unlike those other banks!

 

[UberMink]

Haha! I dont know if om supposed to laugh, cry or sing haliluah after all that!

Why not do all three? Because you're reading about it. It didn't happen to you. If that's not a reason to laugh, cry, add a little dance and sing hallelujah.....

I shall be as a pharisee. Thank you God for bringing me to a bank that takes good care of me, unlike those other banks!

 

[stovebolts]

Why not do all three? Because you're reading about it. It didn't happen to you. If that's not a reason to laugh, cry, add a little dance and sing hallelujah.....

Well mercy me, I feel like a happy dance!

 

[UberMink]

Well mercy me, I feel like a happy dance!

Alright now! "We're"