익명 19:58

Using US "chip & signature" Credit Cards abroad in "chip & PIN" countries

Using US "chip & signature" Credit Cards abroad in "chip & PIN" countries

I am currently living & working in the USA and as such, I have credit cards with "chip & signature" security.
When I use one of these cards, I either insert it into the chip-reader in the merchant's card terminal, or if they haven't yet begun accepting chip cards I swipe my card through the old magnetic strip reader.
I then may, or may not, be asked to provide a signature using the "pen" on the terminal's touch-screen.

But I will soon be traveling internationally to countries where "chip & pin" is the standard form of credit card security - and many merchants in those countries have credit card terminals which have neither magnetic strip readers nor "pens" to sign on the screen.

Do I need a pin code associated with my credit cards in order to be able to use them in these countries?
Will my transactions just be authorized with no pin or signature?



Top Answer/Comment:

Yes they will work just fine.

I have the chip and signature cards and I have used them abroad successfully. The merchants will just give you the receipt to sign instead of having you enter your pin.

One thing I would suggest is carry a pen since for most places it will seem unusual and may take a little bit of time to get the pen that is needed to sign a receipt for your card.

The transactions will be authorized but you will have sign a receipt for every single one. Unlike the US where most major retailers don't require a signature for $25 or lower purchases (I think it's $25 but it may vary).

상단 광고의 [X] 버튼을 누르면 내용이 보입니다