chip-and-PIN credit card

[colorpenguin]

this page: https://content.usaa.com/mcontent/static_assets/om/Media/docs/[removed sensitive data].pdf says that USAA members can request a chip-and-PIN card, though I've been unsuccessful in contacting a customer service agent who can help me do that, or even one who knows what "chip-and-PIN" means. This page explains it: https://www.creditcardinsider.com/blog/chip-and-pin-credit-cards-usa/ but in brief, it's a credit card with a chip that requires a PIN (rather than a signature) to make a purchase. These are common, and sometimes required, outside of the US. The above page also says that USAA can issue chip-and-PIN cards, but also links to a USAA Community page reporting problems with that: https://communities.usaa.com/t5/Banking/Chip-and-Pin-Preferred/td-p/[removed sensitive data] though I'm unable to access this page (I get an error, "Access Denied We're sorry. You do not have sufficient privileges to do that.")

[colorpenguin]

apparently this forum system broke the links in my OP.   The first one should be

https://content.usaa.com/mcontent/static_assets/om/Media/docs/QQQ.pdf

where "QQQ" is replaced by the numbers one-two-six-eight-eight-five.  The last one is https://communities.usaa.com/t5/Banking/Chip-and-Pin-Preferred/td-p/YYY

where "YYY" is replaced by the numbers one-three-five-three-zero-seven

[USAA Social Service]

Hello @colorpenguin, in order for us to order you a credit card with a chip you would need to call us at 210-531-8722. For security purposes, this is not available to order on usaa.com or the mobile app at this time. Once you receive your credit card, you can request a PIN for the card on usaa.com or through the mobile app. 

Usaa.com:

From My USAA page

Select the Credit Card Account.
Scroll to bottom of screen and locate Account Services.
Locate the Card Services section, and select Create or Change PIN.
Follow the prompts to create or change the credit card PIN.

Mobile app:

Mobile App: IOS and Android

Select the credit card.
Select Menu in the top right corner. (Android - three vertical dots in top right corner)
Locate and select Create or Change PIN.
Follow the prompts to create or change the credit card PIN.

I hope this helps! :)  ~Sarah 

[colorpenguin]

and btw, it surprises me that this thread is currently marked "Solved" and "Been Helped".  I don't consider either to have occurred, and certainly didn't mark it as such.  Shouldn't the OP be involved in determining whether or not they've been helped and the issue raised is resolved?

[Inquiring_Inquisitor]

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@ wrote:

and btw, it surprises me that this thread is currently marked "Solved" and "Been Helped".  I don't consider either to have occurred, and certainly didn't mark it as such.  Shouldn't the OP be involved in determining whether or not they've been helped and the issue raised is resolved?

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I wondered about that when I saw it earlier.  Not the first thread I've seen it happen on either.

[USAA Social Service]

@colorpenguin, thank you for your reply. Please accept our apology for the misunderstanding. We'd like to research your Chip and PIN request further. Additionally, we'd like to review your concerns about the post reflecting as "accepted solution". Please send a private message with your full name, phone number and email address so we can locate your USAA profile. ~DC

[colorpenguin]

I currently have a USAA VISA Signature card with a chip, but when I used it on a recent trip to Portgual I was always asked to sign a receipt copy, not to enter a PIN.

From reading about this (see the 2nd link I included in the OP above), it seems that chip cards can support verification by signature and/or PIN methods, and that cards supporting both methods will prioritize one or the other.

The sort of card I want is a chip-and-pin card with PIN-priority, which apparently is how non-US cards typically work.  It's not clear to me if USAA issues this type of card.

thanks!

Carl

[colorpenguin]

To close the thread, yesterday I received a call about this from somebody in the CEO's office.  We had a productive discussion and concluded that USAA doesn't at this time offer a PIN-priority card, but the idea would be considered for a future offering.

[Briana Hartzell USAA]

Thank you for taking the time to close the loop here in community @colorpenguin .

[USAA Social Service]

@colorpenguin - Did you have a question on the credit card chip and pin option? I'm happy to answer any questions you have. - Cathleen

[Inquiring_Inquisitor]

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@ wrote:

@- Did you have a question on the credit card chip and pin option? I'm happy to answer any questions you have. - Cathleen

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It's pretty clear from the initial post that the member is trying to request one, but can't fand a competent and knowledgeable Customer Service agent to help them do so.

"says that USAA members can request a chip-and-PIN card, though I've been unsuccessful in contacting a customer service agent who can help me do that, or even one who knows what "chip-and-PIN" means. "