Re: CC usage in Germany (Europe) [WAS: Were you at SHARE in Seattle? Watch your credit card statements!]
On 11/22/2015 07:52 AM, Vince Coen wrote: UK Chip & pin only requires a pin code to be entered at time of transaction. C & P (chip and pin) has been in use in the UK (and Europe) for some years. For Americans who do not travel to Germany (or Europe much): I hadn't been in Germany for about 6-8 years, before going this past fall. Many businesses, outside of large towns or cities, as a general rule will not accept credit cards, but take Euros only (I do not think this is true of Switzerland given my limited exposure there, but they do want Swiss Francs). If you are going to a major city and staying there (such as Boeblingen, Stuttgart, Frankfort, esv, DE), you can live on your credit card. However, if you are out in the smaller towns and villages, if you run out of Euros, it may be painful to get more. I was in the southern part of the Black Forest area of Germany (Schwarzwald), and the banks there have had their credit card machines pulled so that the tellers and/or "platform" officers can not do Dollars to Euros via your credit card (swipe type where they have a paper you have to sign). So, be absolutely sure that your credit card has a pin associated with it so you can use the teller machines to get Euros. Otherwise, you will have to be in a larger town or small city where the banks have "normal" hours (not the 9-11, 14-16 hours of the small town banks) to buy Euros without a pin. Regards, Steve Thompson -- For IBM-MAIN subscribe / signoff / archive access instructions, send email to lists...@listserv.ua.edu with the message: INFO IBM-MAIN
Re: CC usage in Germany (Europe) [WAS: Were you at SHARE in Seattle? Watch your credit card statements!]
W dniu 2015-11-22 o 17:02, Steve Thompson pisze: On 11/22/2015 07:52 AM, Vince Coen wrote: UK Chip & pin only requires a pin code to be entered at time of transaction. C & P (chip and pin) has been in use in the UK (and Europe) for some years. For Americans who do not travel to Germany (or Europe much): I hadn't been in Germany for about 6-8 years, before going this past fall. Many businesses, outside of large towns or cities, as a general rule will not accept credit cards, but take Euros only (I do not think this is true of Switzerland given my limited exposure there, but they do want Swiss Francs). If you are going to a major city and staying there (such as Boeblingen, Stuttgart, Frankfort, esv, DE), you can live on your credit card. However, if you are out in the smaller towns and villages, if you run out of Euros, it may be painful to get more. I was in the southern part of the Black Forest area of Germany (Schwarzwald), and the banks there have had their credit card machines pulled so that the tellers and/or "platform" officers can not do Dollars to Euros via your credit card (swipe type where they have a paper you have to sign). So, be absolutely sure that your credit card has a pin associated with it so you can use the teller machines to get Euros. Otherwise, you will have to be in a larger town or small city where the banks have "normal" hours (not the 9-11, 14-16 hours of the small town banks) to buy Euros without a pin. I don't understand. Is it a problem with your card/bank or rather small shops in the Forest do not have card terminal? I suspect this is limitation of your card. I saw such cards. BTW: US is last country where my card were imprinted (embossed), it is probably also last place on Earth where signature is needed instead of PIN. (obviously my experience is limited, I haven't visited all the countries on Earth) -- Radoslaw Skorupka Lodz, Poland -- Treść tej wiadomości może zawierać informacje prawnie chronione Banku przeznaczone wyłącznie do użytku służbowego adresata. Odbiorcą może być jedynie jej adresat z wyłączeniem dostępu osób trzecich. Jeżeli nie jesteś adresatem niniejszej wiadomości lub pracownikiem upoważnionym do jej przekazania adresatowi, informujemy, że jej rozpowszechnianie, kopiowanie, rozprowadzanie lub inne działanie o podobnym charakterze jest prawnie zabronione i może być karalne. Jeżeli otrzymałeś tę wiadomość omyłkowo, prosimy niezwłocznie zawiadomić nadawcę wysyłając odpowiedź oraz trwale usunąć tę wiadomość włączając w to wszelkie jej kopie wydrukowane lub zapisane na dysku. This e-mail may contain legally privileged information of the Bank and is intended solely for business use of the addressee. This e-mail may only be received by the addressee and may not be disclosed to any third parties. If you are not the intended addressee of this e-mail or the employee authorized to forward it to the addressee, be advised that any dissemination, copying, distribution or any other similar activity is legally prohibited and may be punishable. If you received this e-mail by mistake please advise the sender immediately by using the reply facility in your e-mail software and delete permanently this e-mail including any copies of it either printed or saved to hard drive. mBank S.A. z siedzibą w Warszawie, ul. Senatorska 18, 00-950 Warszawa, www.mBank.pl, e-mail: kont...@mbank.pl Sąd Rejonowy dla m. st. Warszawy XII Wydział Gospodarczy Krajowego Rejestru Sądowego, nr rejestru przedsiębiorców KRS 025237, NIP: 526-021-50-88. Według stanu na dzień 01.01.2015 r. kapitał zakładowy mBanku S.A. (w całości wpłacony) wynosi 168.840.228 złotych. -- For IBM-MAIN subscribe / signoff / archive access instructions, send email to lists...@listserv.ua.edu with the message: INFO IBM-MAIN
Re: CC usage in Germany (Europe) [WAS: Were you at SHARE in Seattle? Watch your credit card statements!]
R.S. wrote: >I don't understand. Is it a problem with your card/bank or rather small shops >in the Forest do not have card terminal? I suspect this is limitation of your card. I saw such cards. >BTW: US is last country where my card were imprinted (embossed), it is >probably also last place on Earth where signature is needed instead of PIN. > (obviously my experience is limited, I haven't visited all the countries on > Earth) I believe the point here was that if you do NOT have a Chip&PIN card, you may find yourself in a situation where you cannot perform a needed transaction because the terminals don’t have magstripe readers. This is well-documented: unattended gas pumps, ticket kiosks, etc. Less common in cities, more common outside them. -- For IBM-MAIN subscribe / signoff / archive access instructions, send email to lists...@listserv.ua.edu with the message: INFO IBM-MAIN
Re: CC usage in Germany (Europe) [WAS: Were you at SHARE in Seattle? Watch your credit card statements!]
Radoslaw: What do you not understand? The villages and towns that I went to do not take credit cards with chips or without. They want Euros. The banks in the small towns expect you to use a card with a pin. They do not care if it is from USA or Japan. They can't do a manual transaction because they do not have the forms to do them any more. And, in cities, most will take American Express. Some may not and you will need a Visa or Mastercard, JBC, etc. They do not care if it is with or without a chip. They can do the "mag swipe". On 11/23/2015 10:46 AM, R.S. wrote: W dniu 2015-11-22 o 17:02, Steve Thompson pisze: On 11/22/2015 07:52 AM, Vince Coen wrote: UK Chip & pin only requires a pin code to be entered at time of transaction. I don't understand. Is it a problem with your card/bank or rather small shops in the Forest do not have card terminal? I suspect this is limitation of your card. I saw such cards. BTW: US is last country where my card were imprinted (embossed), it is probably also last place on Earth where signature is needed instead of PIN. (obviously my experience is limited, I haven't visited all the countries on Earth) It is not a problem with my bank or with the cards. My Amex had the chip, my Visa did not. They worked equally well on the Autobahn gas/food stops. They worked equally well at the larger grocery stores. They worked just fine anywhere we went in Switzerland. My message was for US personnel who might travel to Europe to be prepared and have a pin for your credit cards (and yes, Amex does do them). Regards, Steve Thompson -- For IBM-MAIN subscribe / signoff / archive access instructions, send email to lists...@listserv.ua.edu with the message: INFO IBM-MAIN
Re: CC usage in Germany (Europe) [WAS: Were you at SHARE in Seattle? Watch your credit card statements!]
Our cards are still embossed here in Canada. - -teD - Original Message From: Smith III, Phil (HP Data Security (Voltage)) Sent: Monday, November 23, 2015 17:52 To: IBM-MAIN@LISTSERV.UA.EDU Reply To: IBM Mainframe Discussion List Subject: Re: CC usage in Germany (Europe) [WAS: Were you at SHARE in Seattle? Watch your credit card statements!] R.S. wrote: >I don't understand. Is it a problem with your card/bank or rather small shops >in the Forest do not have card terminal? I suspect this is limitation of your card. I saw such cards. >BTW: US is last country where my card were imprinted (embossed), it is >probably also last place on Earth where signature is needed instead of PIN. > (obviously my experience is limited, I haven't visited all the countries on > Earth) I believe the point here was that if you do NOT have a Chip&PIN card, you may find yourself in a situation where you cannot perform a needed transaction because the terminals don’t have magstripe readers. This is well-documented: unattended gas pumps, ticket kiosks, etc. Less common in cities, more common outside them. -- For IBM-MAIN subscribe / signoff / archive access instructions, send email to lists...@listserv.ua.edu with the message: INFO IBM-MAIN -- For IBM-MAIN subscribe / signoff / archive access instructions, send email to lists...@listserv.ua.edu with the message: INFO IBM-MAIN
Re: CC usage in Germany (Europe) [WAS: Were you at SHARE in Seattle? Watch your credit card statements!]
Some Metro ticket machines in metropolitan Paris! Charles -Original Message- From: IBM Mainframe Discussion List [mailto:IBM-MAIN@LISTSERV.UA.EDU] On Behalf Of Smith III, Phil (HP Data Security (Voltage)) Sent: Monday, November 23, 2015 2:33 PM To: IBM-MAIN@LISTSERV.UA.EDU Subject: Re: CC usage in Germany (Europe) [WAS: Were you at SHARE in Seattle? Watch your credit card statements!] R.S. wrote: >I don't understand. Is it a problem with your card/bank or rather small shops >in the Forest do not have card terminal? I suspect this is limitation of your card. I saw such cards. >BTW: US is last country where my card were imprinted (embossed), it is >probably also last place on Earth where signature is needed instead of PIN. > (obviously my experience is limited, I haven't visited all the >countries on Earth) I believe the point here was that if you do NOT have a Chip&PIN card, you may find yourself in a situation where you cannot perform a needed transaction because the terminals don’t have magstripe readers. This is well-documented: unattended gas pumps, ticket kiosks, etc. Less common in cities, more common outside them. -- For IBM-MAIN subscribe / signoff / archive access instructions, send email to lists...@listserv.ua.edu with the message: INFO IBM-MAIN
Re: CC usage in Germany (Europe) [WAS: Were you at SHARE in Seattle? Watch your credit card statements!]
W dniu 2015-11-23 o 23:33, Smith III, Phil (HP Data Security (Voltage)) pisze: R.S. wrote: I don't understand. Is it a problem with your card/bank or rather small shops in the Forest do not have card terminal? I suspect this is limitation of your card. I saw such cards. BTW: US is last country where my card were imprinted (embossed), it is probably also last place on Earth where signature is needed instead of PIN. (obviously my experience is limited, I haven't visited all the countries on Earth) I believe the point here was that if you do NOT have a Chip&PIN card, you may find yourself in a situation where you cannot perform a needed transaction because the terminals don’t have magstripe readers. This is well-documented: unattended gas pumps, ticket kiosks, etc. Less common in cities, more common outside them. Well, do you mean a card *without* PIN at all? It is very rare here, even when Stripe & Sig was in common use, all cards (with some rare exceptions for very specific cards) have PIN assinged. So usually you had to put your signature, but in ATM or some POS terminals you could be asked for PIN. Nowadays PIN is default method, signature is vanishing @TeD We also have embossed cards but we don't use imprinters at all, for years. AFAIR the last time my card was imprinted was Radisson Wilshire in LA or some other hotel in Chicago. It was after 11 Sept 2001. @Steve I don't understand what was the blocking factor. Technical incompatibility seem weird for me - I mean chipless card (mag stripe only) and chip-only terminal. Usually terminals are dual function. There can be business limitation, like "we don't accept foreign cards" or cards in USD, or other. Usually it's the opposite - the card may be limited to domestic market. I also assumed even "old style" card has a PIN assigned, so you can perform PIN transaction. - Was it the reason of the problem? BTW: In Europe there is no problem with VISA or Mastercard, but other brands are really marginal. JBC, Diners, or Amex card holders have to ask whether the card is accepted despite cards are welcome. Regards -- Radoslaw Skorupka Lodz, Poland -- Treść tej wiadomości może zawierać informacje prawnie chronione Banku przeznaczone wyłącznie do użytku służbowego adresata. Odbiorcą może być jedynie jej adresat z wyłączeniem dostępu osób trzecich. Jeżeli nie jesteś adresatem niniejszej wiadomości lub pracownikiem upoważnionym do jej przekazania adresatowi, informujemy, że jej rozpowszechnianie, kopiowanie, rozprowadzanie lub inne działanie o podobnym charakterze jest prawnie zabronione i może być karalne. Jeżeli otrzymałeś tę wiadomość omyłkowo, prosimy niezwłocznie zawiadomić nadawcę wysyłając odpowiedź oraz trwale usunąć tę wiadomość włączając w to wszelkie jej kopie wydrukowane lub zapisane na dysku. This e-mail may contain legally privileged information of the Bank and is intended solely for business use of the addressee. This e-mail may only be received by the addressee and may not be disclosed to any third parties. If you are not the intended addressee of this e-mail or the employee authorized to forward it to the addressee, be advised that any dissemination, copying, distribution or any other similar activity is legally prohibited and may be punishable. If you received this e-mail by mistake please advise the sender immediately by using the reply facility in your e-mail software and delete permanently this e-mail including any copies of it either printed or saved to hard drive. mBank S.A. z siedzibą w Warszawie, ul. Senatorska 18, 00-950 Warszawa, www.mBank.pl, e-mail: kont...@mbank.pl Sąd Rejonowy dla m. st. Warszawy XII Wydział Gospodarczy Krajowego Rejestru Sądowego, nr rejestru przedsiębiorców KRS 025237, NIP: 526-021-50-88. Według stanu na dzień 01.01.2015 r. kapitał zakładowy mBanku S.A. (w całości wpłacony) wynosi 168.840.228 złotych. -- For IBM-MAIN subscribe / signoff / archive access instructions, send email to lists...@listserv.ua.edu with the message: INFO IBM-MAIN
Re: CC usage in Germany (Europe) [WAS: Were you at SHARE in Seattle? Watch your credit card statements!]
On 24 November 2015 at 06:04, R.S. wrote: > We also have embossed cards but we don't use imprinters at all, for years. > AFAIR the last time my card was imprinted was Radisson Wilshire in LA or > some other hotel in Chicago. It was after 11 Sept 2001. The last time my card was run through an imprinter was on an airplane somewhere over the North Atlantic. They had small and light, all-plastic imprinters just for airlines. But now even that stuff is chip & PIN, though whether it's online or just expected to be low-value and not worth checking with the bank, I don't know. What if you buy an expensive duty-free watch on board with a cancelled card?. And airlines are advertising "cash-free cabins", meaning that they no longer have to make change, carry a float, and deal with multiple currencies. Tony H. -- For IBM-MAIN subscribe / signoff / archive access instructions, send email to lists...@listserv.ua.edu with the message: INFO IBM-MAIN
Re: CC usage in Germany (Europe) [WAS: Were you at SHARE in Seattle? Watch your credit card statements!]
On Tue, 24 Nov 2015 11:20:22 -0500, Tony Harminc wrote: > >And airlines are advertising "cash-free cabins", meaning that they no >longer have to make change, carry a float, and deal with multiple >currencies. > Are the terminals exchange-rate savvy? Does the customer get a choice of currencies? Arbitrage? Rate fluctuations? -- gil -- For IBM-MAIN subscribe / signoff / archive access instructions, send email to lists...@listserv.ua.edu with the message: INFO IBM-MAIN
