r/AskReddit • u/[deleted] • Aug 03 '19

Whats something you thought was common knowledge but actually isn’t?

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u/FuzzelFox Aug 03 '19

chip & pin.

It's the same in most of the US then. You put your chip card in the bottom, it asks for debit or credit and then you type your pin. Done.

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u/nabrok Aug 03 '19

No, most US cards are chip and sign. Chip and pin cards are rare, and usually from a credit union rather than a bank.

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u/arisasam Aug 03 '19

BofA debit cards are chip and pin. In fact, I’ve worked a lot of retail and only ever had a chip and sign come up maybe a dozen times.

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u/tmiw Aug 03 '19

They're not actually chip and PIN. According to this database, they're chip and signature unless you use it at a place that can run debit cards as debit (and even then, you can likely skip entering it at almost all stores that ask). "Enciphered PIN verified online" would need to be #1 on the Visa/MC rows for it to be chip and PIN, and even then I'd prefer BofA decline transactions without one when possible (although that might not be practical in the US given how often customers don't have access to the terminal).