My new card arrived today. Also, a PIN number in a separate mailing.
The card is quite recognizable. It has a half-inch square gold chip embedded above the first four digits of the account number.
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Below are the explanations that came with the card. I believe I am set!
Thank you all!
Welcome to your new chip-enhanced Visa Platinum credit card.
This credit card is accepted worldwide, while offering you added security benefits. Activate your card now by calling 1-800:527-7728.
• Easy to use at merchants where chip cards are the standard, while still maintaining the convenience of a magnetic stripe on the back.
• No foreign transaction fees.
• No annual fee.
• Earn 1 Flexpoint for every $1 spent with your credit card. Flexpoints can be used toward hundreds of rewards including gift cards, airline tickets, merchandise and more.
Questions about your new EMV chip-enhanced card?
Q: WHAT IS A CHIP AND PIN CARD?
A: Your new State Department Federal Credit Union Visa EMV Credit Card has an embedded microchip. When used at stores or merchants with chip-enabled terminals and at ATMs, the system validates the chip and the PIN, helping to ensure a more secure transaction. The addition of a personal identification number (PIN) provides an extra layer of security above and beyond the chip since only you know your PIN.
Q: WHY ARE YOU OFFERING A CHIP AND PIN CARD NOW?
A: Simplifying and enhancing the purchase experience for members traveling outside the United States is a key priority for SDFCU.
Q: WHAT INFORMATION IS ON A CHIP AND PIN CARD?
A: The microchip embedded in the card stores information required to authenticate, authorize and process transactions.
This is the same type of information already stored in the magnetic stripe.
Q: ARE THERE ANY ADDITIONAL FEES ASSOCIATED WITH CHIP AND PIN CARDS? A: No additional fees apply to your new card.
Q: CAN I USE MY NEW CARD FOR EVERYDAY TRANSACTIONS DOMESTICALLY?
A: Yes. In addition to the embedded microchip, your new card has a magnetic stripe on the back. That way you can make purchases by swiping your card and signing the receipt. You can also use your card at ATMs.
Q: WILL MY CARD WORK OUTSIDE THE UNITED STATES?
A: Your new Chip and PIN card will work at merchants processing transactions using a chip-enabled terminal or using a magnetic stripe. Your Chip and PIN card can be used anywhere in the world where Visa cards are accepted.
Q: NOW THAT I HAVE A CHIP AND PIN CARD SHOULD I CONTINUE TO NOTIFY YOU BEFORE I TRAVEL INTERNATIONALLY?
A: Yes, advance notification will help ensure that legitimate purchases are approved.
Q: WHERE DO I GET A PIN FOR MY CHIP AND PIN CREDIT CARD? A: Your PIN for your Chip and PIN credit card will be mailed to you.
Q: HOW CAN I CHANGE MY PIN OR HAVE IT RESET BECAUSE I'VE FORGOTTEN IT?
A: Your PIN cannot be changed or reset. SDFCU is able to resend you your PIN in the event that you lose or forget it.
Please call 800.296.8882.
Q: WHO CAN I CONTACT IF I HAVE QUESTIONS OR CONCERNS ABOUT MY SDFCU CHIP AND PIN CREDIT CARD?
A: You can contact SDFCU's Member Service Experts at firstname.lastname@example.org
or by calling 703.706.5000 or 800.296.8882.
Q: WILL THE PIN I USE FOR MAKING PURCHASES BE THE SAME AS THE PIN USED FOR CASH WITHDRAWALS ATTHEATM?
A: Yes, the PIN used for making purchases is the same as the PIN used for cash withdrawals. You are only issued one PIN for the card.
Q: HOW WILL I MAKE A PURCHASE WITH MY CHIP AND PIN CARD?
1. Rather than swiping your card, it will be inserted into the terminal for the entire transaction. Removing the card will terminate the transaction.
2. You will follow the prompts on the screen and enter your PIN instead of verifying the transaction with your signature.
3. When the transaction is complete, you will remove your card when prompted and wait for the receipt.
If the store or restaurant does not yet have a chip-enabled terminal, your card will be swiped and you will sign the receipt as you do today.