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| MVM credit card difficulties (1393999) | |
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Re: MVM credit card difficulties |
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Posted by 3-9 on Sat Apr 30 15:03:27 2016, in response to MVM credit card difficulties, posted by gbs on Sat Apr 30 00:52:55 2016. Maybe a network issue (hardware or software) between the MTA and the credit card companies? |
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| (1394036) | |
Re: MVM credit card difficulties |
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Posted by Allan on Sat Apr 30 15:06:25 2016, in response to MVM credit card difficulties, posted by gbs on Sat Apr 30 00:52:55 2016. There could have been communications issues involving the machines you used. Past experience has shown me that sometimes the keypad where you enter your zip code can get flaky and the number you put in is not what the machine sees.There could be any number of reasons. |
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| (1394041) | |
Re: MVM credit card difficulties |
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Posted by Joe V on Sat Apr 30 15:23:56 2016, in response to Re: MVM credit card difficulties, posted by Allan on Sat Apr 30 15:06:25 2016. I guess no Canadian, or any other foreign, visitor can buy MC (or NJT)transportation unless it is with cash - no zip code. |
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| (1394042) | |
Re: MVM credit card difficulties |
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Posted by merrick1 on Sat Apr 30 15:26:53 2016, in response to Re: MVM credit card difficulties, posted by Joe V on Sat Apr 30 15:23:56 2016. From the MTA WebsiteWhen a credit card is used at an MVM, the MVM will ask you to enter your zip code for verification. However, if your credit card account has a billing address outside of the United States, you are not subject to the zip code verification requirement. Instead, type in “99999” when prompted for a zip code. This will indicate to the MVM that an international credit card is being used, and the regular transaction authorization process will still take place. |
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| (1394046) | |
Re: MVM credit card difficulties |
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Posted by 3-9 on Sat Apr 30 15:44:05 2016, in response to Re: MVM credit card difficulties, posted by merrick1 on Sat Apr 30 15:26:53 2016. They should really put a short version of that on the screen. |
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| (1394047) | |
Re: MVM credit card difficulties |
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Posted by pragmatist on Sat Apr 30 15:55:55 2016, in response to Re: MVM credit card difficulties, posted by 3-9 on Sat Apr 30 15:44:05 2016. The next challenge will be to see if they can get the next generation fare payment system and whatever machines service it online before they are forced to spend big bucks modifying these machines to handle chip cards. |
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| (1394049) | |
Re: MVM credit card difficulties |
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Posted by Joe V on Sat Apr 30 16:20:08 2016, in response to Re: MVM credit card difficulties, posted by pragmatist on Sat Apr 30 15:55:55 2016. Right now the Chip technology operates VERY slowly. Merchants hate it. |
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| (1394052) | |
Re: MVM credit card difficulties |
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Posted by Spider-Pig on Sat Apr 30 16:46:44 2016, in response to Re: MVM credit card difficulties, posted by Joe V on Sat Apr 30 16:20:08 2016. IAWTP. RFID is superior. I have an Apple Watch. |
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| (1394060) | |
Re: MVM credit card difficulties |
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Posted by Allan on Sat Apr 30 18:44:58 2016, in response to Re: MVM credit card difficulties, posted by Joe V on Sat Apr 30 16:20:08 2016. "Merchants hate it. "Customers (myself included) are too crazy about it either. |
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| (1394061) | |
Re: MVM credit card difficulties |
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Posted by Allan on Sat Apr 30 18:45:49 2016, in response to Re: MVM credit card difficulties, posted by Allan on Sat Apr 30 18:44:58 2016. ARE NOT too crazy about it. |
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| (1394067) | |
Re: MVM credit card difficulties |
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Posted by Joe V on Sat Apr 30 19:27:13 2016, in response to Re: MVM credit card difficulties, posted by Allan on Sat Apr 30 18:45:49 2016. I know.A friend of mine had his Chase card hacked 4 times in 2015, and it was a Chip card. |
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| (1394078) | |
Re: MVM credit card difficulties |
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Posted by nasadowsk on Sat Apr 30 20:16:54 2016, in response to Re: MVM credit card difficulties, posted by Joe V on Sat Apr 30 16:20:08 2016. I fucking hate chip cards.Bonus: US ones don't work in the Netherlands. Thankfully, NS's staff at Schiphol and Amsterdam Centraal, are very useful. The ticket machines? Not so much. I suspect they're German - they just say 'technical error' when you try a US chip card in them. Oddly, ISTR having no issues in Munich... |
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| (1394079) | |
Re: MVM credit card difficulties |
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Posted by Joe V on Sat Apr 30 20:29:30 2016, in response to Re: MVM credit card difficulties, posted by nasadowsk on Sat Apr 30 20:16:54 2016. I have Chase Mastercard that has no foreign transaction fees, so I use it for Canada. I specifically asked them for a replacement card with a chip in case they use them more universally than here.BTW, forget about using Discover Card if you go to Canada. I have yet to find a place that takes it, even in touristy Montreal with lots of Americans. VIA Rail won't take it. |
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| (1394081) | |
Re: MVM credit card difficulties |
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Posted by pragmatist on Sat Apr 30 20:49:30 2016, in response to Re: MVM credit card difficulties, posted by nasadowsk on Sat Apr 30 20:16:54 2016. Europe is mostly Chip and Pin, we just went to Chip and Signature. Not everyone will accept that. But we haven't done a great job with this migration. If the rest of the world can get it to work, ask yourself why we are struggling with it. |
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| (1394086) | |
Re: MVM credit card difficulties |
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Posted by Terrapin Station on Sat Apr 30 21:22:53 2016, in response to Re: MVM credit card difficulties, posted by merrick1 on Sat Apr 30 15:26:53 2016. OWNED!!!!!! |
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| (1394088) | |
Re: MVM credit card difficulties |
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Posted by Terrapin Station on Sat Apr 30 21:24:19 2016, in response to Re: MVM credit card difficulties, posted by Joe V on Sat Apr 30 20:29:30 2016. LOL Discover! There's no point in using Discover! |
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| (1394115) | |
Re: MVM credit card difficulties |
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Posted by Joe V on Sun May 1 07:28:02 2016, in response to Re: MVM credit card difficulties, posted by Terrapin Station on Sat Apr 30 21:24:19 2016. I like them: their 1%, rotating 5%, their customer service, and I don't want all my credit cards at the same bank. |
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| (1394116) | |
Re: MVM credit card difficulties |
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Posted by Joe V on Sun May 1 07:29:33 2016, in response to Re: MVM credit card difficulties, posted by pragmatist on Sat Apr 30 20:49:30 2016. Chase, and a few other banks were using "Blink". I don't know if that was RFID or not. I liked it, but the "Chip" has bumped it off the card. |
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| (1394121) | |
Re: MVM credit card difficulties |
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Posted by Terrapin Station on Sun May 1 09:08:30 2016, in response to Re: MVM credit card difficulties, posted by Joe V on Sun May 1 07:28:02 2016. But there are other cards that give back 1.5% or 2% on everything vs. your 1%! And there are other cards that give back 2%, 3%, 4%, and 6% on certain categories at all times! Discover is never recommended as a credit card for people who want to get the best rewards %s. |
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| (1394122) | |
Re: MVM credit card difficulties |
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Posted by Terrapin Station on Sun May 1 09:09:10 2016, in response to Re: MVM credit card difficulties, posted by Joe V on Sun May 1 07:29:33 2016. Yes, it was RFID. Many banks tried RFID and most have since dropped it. |
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| (1394124) | |
Re: MVM credit card difficulties |
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Posted by Joe V on Sun May 1 09:16:53 2016, in response to Re: MVM credit card difficulties, posted by Terrapin Station on Sun May 1 09:08:30 2016. I do not like a lot of other banks like Capital One, Amex, and BoA. |
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| (1394125) | |
Re: MVM credit card difficulties |
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Posted by Spider-Pig on Sun May 1 09:31:02 2016, in response to Re: MVM credit card difficulties, posted by Terrapin Station on Sun May 1 09:09:10 2016. Why?Before you answer, one issue (which is solved with mobile payment) is that the cards can be read remotely by someone standing next to you holding or wearing the appropriate equipment. It makes stealing credit cards a cinch. I wish RFID readers were more common and I wish CVS would fucking turn theirs back on! |
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| (1394126) | |
Re: MVM credit card difficulties |
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Posted by Joe V on Sun May 1 09:33:41 2016, in response to Re: MVM credit card difficulties, posted by Spider-Pig on Sun May 1 09:31:02 2016. At least some Rite Aid and Home Depot are using the Chip. You do not have the options to swipe the magnetic strip. The cashiers hate it. |
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| (1394127) | |
Re: MVM credit card difficulties |
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Posted by Joe V on Sun May 1 09:34:09 2016, in response to Re: MVM credit card difficulties, posted by Spider-Pig on Sun May 1 09:31:02 2016. At least some Rite Aid and Home Depot are using the Chip. You do not have the options to swipe the magnetic strip. The cashiers hate it. |
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| (1394128) | |
Re: MVM credit card difficulties |
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Posted by Spider-Pig on Sun May 1 09:38:10 2016, in response to Re: MVM credit card difficulties, posted by Joe V on Sun May 1 09:33:41 2016. I agree, but I was talking about RFID. Because RFID readers were turned off by CVS, I am forced to use the chip and it is awful. |
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| (1394130) | |
Re: MVM credit card difficulties |
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Posted by AlM on Sun May 1 10:04:25 2016, in response to Re: MVM credit card difficulties, posted by Spider-Pig on Sun May 1 09:31:02 2016. If RFID has the problem you cite, and it isn't solved, it seems to me that RFID would be dead. |
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| (1394131) | |
Re: MVM credit card difficulties |
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Posted by Spider-Pig on Sun May 1 10:06:04 2016, in response to Re: MVM credit card difficulties, posted by AlM on Sun May 1 10:04:25 2016. I just said that mobile payments solve it. |
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| (1394132) | |
Re: MVM credit card difficulties |
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Posted by Terrapin Station on Sun May 1 10:34:04 2016, in response to Re: MVM credit card difficulties, posted by Joe V on Sun May 1 09:16:53 2016. Sucks for you. I love AMEX. They've given me thousands and thousands of dollars in cash back over the past few years. What's not to love?? |
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| (1394133) | |
Re: MVM credit card difficulties |
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Posted by Terrapin Station on Sun May 1 10:38:18 2016, in response to Re: MVM credit card difficulties, posted by Spider-Pig on Sun May 1 09:31:02 2016. I don't know. I also don't understand how mobile payments solves a supposed issue* with RFID on a card.*I thought that was all tinfoil hat stuff. |
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| (1394134) | |
Re: MVM credit card difficulties |
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Posted by Joe V on Sun May 1 10:58:10 2016, in response to Re: MVM credit card difficulties, posted by Terrapin Station on Sun May 1 10:34:04 2016. Without getting into the sordid details, my mother had a horrible experience with them over some fraud of no fault of her own.Citi is another outfit we will not do business with no way, no how. |
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| (1394135) | |
Re: MVM credit card difficulties |
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Posted by Spider-Pig on Sun May 1 11:13:22 2016, in response to Re: MVM credit card difficulties, posted by Terrapin Station on Sun May 1 10:38:18 2016. The issue is that the device will not transmit your card information without action on your part. With Pay, for example, you have to have your finger on the button for it to work. |
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| (1394141) | |
Re: MVM credit card difficulties |
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Posted by New Flyer #857 on Sun May 1 11:28:33 2016, in response to Re: MVM credit card difficulties, posted by merrick1 on Sat Apr 30 15:26:53 2016. Instead, type in “99999” when prompted for a zip code.Is everyone just supposed to know to do that? |
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| (1394142) | |
Re: MVM credit card difficulties |
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Posted by New Flyer #857 on Sun May 1 11:30:40 2016, in response to Re: MVM credit card difficulties, posted by Allan on Sat Apr 30 15:06:25 2016. But doesn't the request for acceptance/decline include transmission of the zip code? If an incorrect zip code is put in I would think the card would be formally declined, not just have the transaction incomplete. I would think the MVM has to ask the bank/card company what the right zip code is. But I could be wrong. |
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| (1394146) | |
Re: MVM credit card difficulties |
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Posted by merrick1 on Sun May 1 11:52:13 2016, in response to Re: MVM credit card difficulties, posted by New Flyer #857 on Sun May 1 11:28:33 2016. I just Googled MTA MVM. But I already knew it, probably from this board or another choo-choo board. |
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| (1394148) | |
Re: MVM credit card difficulties |
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Posted by AlM on Sun May 1 12:07:58 2016, in response to Re: MVM credit card difficulties, posted by Spider-Pig on Sun May 1 10:06:04 2016. But isn't that a different technology? Doesn't mobile payments require a smart phone, whereas RFID is something that looks more or less like a credit card but has the tiny radio transmitter instead of a magnetic stripe?(I have a credit card-like object with my picture on it that allows me to walk into my office building. I believe that's RFID.) |
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| (1394149) | |
Re: MVM credit card difficulties |
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Posted by Spider-Pig on Sun May 1 12:12:45 2016, in response to Re: MVM credit card difficulties, posted by AlM on Sun May 1 12:07:58 2016. No. When Apple Pay was released in October 2014, it was immediately compatible with every RFID credit card reader in the country. This caused a problem with CurrentC participants CVS and Rite Aid who turned off their RFID readers in response. Rite Aid has since turned them back on. |
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| (1394150) | |
Re: MVM credit card difficulties |
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Posted by Joe V on Sun May 1 12:13:16 2016, in response to Re: MVM credit card difficulties, posted by Spider-Pig on Sun May 1 10:06:04 2016. It didn't solve anything, because some of us don't use Smartphones for that and never will. |
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| (1394151) | |
Re: MVM credit card difficulties |
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Posted by Spider-Pig on Sun May 1 12:17:38 2016, in response to Re: MVM credit card difficulties, posted by Joe V on Sun May 1 12:13:16 2016. Too bad. You are an increasingly irrelevant minority. |
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| (1394152) | |
Re: MVM credit card difficulties |
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Posted by AlM on Sun May 1 12:20:23 2016, in response to Re: MVM credit card difficulties, posted by Spider-Pig on Sun May 1 12:12:45 2016. OK, so it's the same technology on the store end but a different technology on the user's end. |
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| (1394153) | |
Re: MVM credit card difficulties |
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Posted by Spider-Pig on Sun May 1 12:21:51 2016, in response to Re: MVM credit card difficulties, posted by AlM on Sun May 1 12:20:23 2016. Exactly. |
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| (1394156) | |
Re: MVM credit card difficulties |
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Posted by Joe V on Sun May 1 12:41:15 2016, in response to Re: MVM credit card difficulties, posted by merrick1 on Sun May 1 11:52:13 2016. But we can't expect foreign tourists to know to do that.Another problem I encounter in Montreal is adding AMT train trips to my OPUS card. If done with a credit card, it wants a PIN number. Most of credit cards don't have PIN numbers, or I never use them. Then what ? Will it charge it as a cash withdrawal with interest kicking in immediately ? |
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| (1394157) | |
Re: MVM credit card difficulties |
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Posted by Joe V on Sun May 1 12:47:56 2016, in response to Re: MVM credit card difficulties, posted by Spider-Pig on Sun May 1 12:17:38 2016. Minority and irrelevant. I don't think so.I am not burning up data charges to buy a sandwich at Starbucks, add money to my MC, or show a conductor my virtual ticket. I don't see many people doing that on the commuter trains either. MTA will still find it necessary to produce a Smartcard for those who will not wave around their cards or phones around near turnstiles to get through. That blows your irrelevant case. |
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| (1394161) | |
Re: MVM credit card difficulties |
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Posted by Spider-Pig on Sun May 1 14:06:21 2016, in response to Re: MVM credit card difficulties, posted by Joe V on Sun May 1 12:47:56 2016. What data charges? Mobile payment does not require a data connection.How does it blow my "irrelevant" case? They haven't decided on anything yet, and may end up not producing such a card. |
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| (1394162) | |
Re: MVM credit card difficulties |
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Posted by Joe V on Sun May 1 14:17:07 2016, in response to Re: MVM credit card difficulties, posted by Spider-Pig on Sun May 1 14:06:21 2016. They already said last week they will. Not everyone who uses public transit has plastic and Smartphones. |
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| (1394167) | |
Re: MVM credit card difficulties |
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Posted by Allan on Sun May 1 15:39:41 2016, in response to Re: MVM credit card difficulties, posted by New Flyer #857 on Sun May 1 11:30:40 2016. You are correct. If the wrong zip code is entered (or the keypad is messed up so it doesn't register properly), then the transaction won't go thru.I have always thought that the zip code may be encoded on the magnetic strip but it may not be. |
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| (1394169) | |
Re: MVM credit card difficulties |
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Posted by Spider-Pig on Sun May 1 15:44:52 2016, in response to Re: MVM credit card difficulties, posted by Allan on Sun May 1 15:39:41 2016. Since you don't get a new credit card when moving, that is obviously untrue. |
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| (1394187) | |
Re: MVM credit card difficulties |
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Posted by Terrapin Station on Sun May 1 20:33:56 2016, in response to Re: MVM credit card difficulties, posted by Joe V on Sun May 1 10:58:10 2016. Ok well you can try to "stick it to them" but you are losing a lot more from them than they are losing from you, IMO. |
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| (1394189) | |
Re: MVM credit card difficulties |
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Posted by Terrapin Station on Sun May 1 20:35:17 2016, in response to Re: MVM credit card difficulties, posted by Spider-Pig on Sun May 1 11:13:22 2016. Ok, cool. But I thought that even if someone skims your RFID credit card, the data is encrypted. Is the issue that the encryption can and has been broken? |
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| (1394192) | |
Re: MVM credit card difficulties |
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Posted by Terrapin Station on Sun May 1 20:38:10 2016, in response to Re: MVM credit card difficulties, posted by New Flyer #857 on Sun May 1 11:28:33 2016. Foreign tourists with credit cards, yes, they are supposed to know that. Just like Americans are supposed to know how to use their mag-stripe-only credit cards in chip&pin Europe. |
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