Chip and PIN cards

Discussion in 'American Express Rewards' started by Flying High, Apr 24, 2014.

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  1. Flying High

    Flying High Intern

    Jan 20, 2010
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    Have had an interesting/confusing couple of days talking to Amex about what's happening with the transition to chip and PIN cards.

    I had a merchant remind me over the weekend that from 1 August I would not be able to sign for a transaction, but would need to use a PIN (my current card does not have a chip and PIN).

    'No problem', I thought. 'That's a few months away. I'm sure Amex is on the case and will be sending me out a replacement Platinum Card before 1 August.'

    A nagging doubt in my mind prompted me to send an email asking for an assurance that this would indeed happen. I got a reply reasonably quickly that included this line:

    "I'd like to assure you that you can continue to use your current Card by signing after 01/08/14 as long as it is accepted by the merchants. You will receive an automatic renewed Card only on Card expiration which is mentioned on the top of your Card in mm/yy format."

    This phrase was repeated ad nauseum in subsequent emails even when I pointed out that the merchants were the ones saying that they WOULDN'T accept it (clearly that is the company line that all the customer reps are told to say, regardless of whether it is actually true or not). I also pointed out this phrase that appears on Amex's own site:

    "From 1 August 2014 all domestic point of sale transactions will require a PIN to authorise and verify your purchase"

    I then decided to ring and talk to someone, who reiterated that I WOULD be able to sign for transactions after that date, but they would be sending out replacement cards with chip and PIN "towards the end of the year". That is, she directly contradicted the information on Amex's own website. I could get a replacement card that has a chip and PIN included immediately, but it would be a different number. If I want to retain my existing number I would need to wait until it was due for replacement (which is not until 2015). Again, conflicting information from Amex - one person says a replacement card won't arrive until the existing one expires, someone else says it will come earlier than that.

    This is what I pay $900 a year for?!?!?
     
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  2. TomVexille

    TomVexille Enthusiast

    Nov 12, 2013
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    So your current card doesn't have a PIN? My AMEX doesn't have a chip, but it definitely has a PIN.
     
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  3. TonyHancock

    TonyHancock Senior Member

    Aug 26, 2010
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    Sadly it is $1200 now. :(
     
  4. Mark3000

    Mark3000 Active Member

    Apr 3, 2014
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    1200 wow! What sort of card is that?
    Does it give you any more points per dollar than a standard big bank Amex?
    I've just signed up for a CBA Diamond. I need something to help pay my ATO bills.
     
  5. Flying High

    Flying High Intern

    Jan 20, 2010
    50
    9
    No, mine has neither.
     
  6. Flying High

    Flying High Intern

    Jan 20, 2010
    50
    9
    Which makes their behaviour even more bewildering. I don't understand why it's so hard to send out a replacement card before 1 August with the same number on it. My credit card providers managed to do it - why can't Amex?
     
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  7. Daver6

    Daver6 Established Member

    Dec 31, 2011
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    Thought I better look into this too with my Qantas Ultimate card. No chip or pin on it.

    Told they will start sending out cards between July and the end of the year. Also told some merchants will still accept signatures. Told the lady this is not the case. They can send me a replacement card with a new number. Also not ideal. Don't want the hassle of changing direct debits etc.

    Seriously...disgraceful Amex. Clearly they don't want me using their cards with this attitude. How much notice has been given about this change?
     
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  8. Flying High

    Flying High Intern

    Jan 20, 2010
    50
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    The industry (and yes, that includes Amex) has known about it for years. They've ramped up the public awareness of it recently - PINwise - so it appears Amex is just not prepared. The main problem was that they were very late in implementing the technology in the first place - Visa/MC have had it for years now.
     
  9. Daver6

    Daver6 Established Member

    Dec 31, 2011
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    But realistically, I don't even need a chip...just a PIN. My card doesn't even have that!
     
  10. drron

    drron Enthusiast

    Jul 4, 2002
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    But my gold Amex was renewed in August 2013 and it is chip and pin so no excuses for delaying any reissue until after July.
     
  11. TomVexille

    TomVexille Enthusiast

    Nov 12, 2013
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    Melbourne
  12. Flying High

    Flying High Intern

    Jan 20, 2010
    50
    9
    I didn't get that impression, and regardless, the customer rep on the phone confirmed I can't do it with my card.
     
  13. nlagalle

    nlagalle Senior Member

    May 24, 2007
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    I agree when i went to manage pins I could only do it for my reserve card which has one, the 2 charge cards don't allow it.
     
  14. Daver6

    Daver6 Established Member

    Dec 31, 2011
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    Thanks. Can't create a PIN for my card either.

    Totally contradicts with the rep told me on the phone.
     
  15. TomVexille

    TomVexille Enthusiast

    Nov 12, 2013
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    I'd just let them know what's on their website and keep pushing for a PIN or a new card that's capable.
     
  16. JohnPhelan

    JohnPhelan Established Member

    Nov 5, 2010
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    Possibly has something to do with Amex being ... well .... American. The US has not embraced the 'chip and PIN' revolution. You generally still need to swipe and sign in America.
     
  17. knasty

    knasty Active Member

    Mar 11, 2010
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    #17 knasty, Apr 24, 2014
    Last edited: Apr 24, 2014
    The strip in my Platinum Edge was worn out. They sent a new one which has a chip. One way of getting a chip card before August, assuming the product you have is being issued with chip for new customers. New one is contactless too.
     
  18. Daver6

    Daver6 Established Member

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    They will gladly issue a new card now...with a different card number. Something I wish to avoid as that creates work. If I just wait, I get a new card with the same number. Seriously, how hard can this be?!?
     
  19. coles525

    coles525 Established Member

    Ive got a DJ amex which has a chip, I just don't know/remember if it has been issued/changed my own pin?

    Anyone know? A few places I use it, it must be swiped through, not "chipped through".

    I just hope that when the new rules come in, it still works! (Chip/without or with pin, or swip with pin/sign.)
     
  20. opusman

    opusman Senior Member

    Jun 27, 2006
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    If your card is damaged, but you still have possession of it (i.e. not lost or stolen) then they should replace it with a new card with the same number and expiry date. So all you have to do is "accidentally" damage your card :)
     
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