Have you ever had to enter your credit/debit card PIN code at a point of sale in USA?

Question

I had to enter mine the other day while I was paying for a drink in a restaurant. It seemed strange though as my card doesn't even have a chip...

Answer 1

Some place prefer you to use the pin purchase. Some banks in the US charge for pin purchases. You could of hit cancel and then chose credit and it would gone through this way if your debit card had either a Visa or MasterCard symbol on it. Any debit card that has these networks listed on the card should work as a pin purchase. Nyce, Star, Visa Interlink, Visa electron, Visa Delta, Visa Plus, Cirrus, Maestro, and your local bank network. If your card is foreign issued and has a Cirrus, Maestro, or Visa Plus on the card it could work at some merchants in the US as a pin purchase.

If you used a foreign issued Credit Card. The pin number might of worked. Your card company does not need to follow US rules.

Answer 2

BANK cards can be used as both Dr. and CR transactions with both types being taken out of your checking account immediately. The Cashier should ask you if it is a DR. or CR. Transaction. If you say CR., you will not incur a fee. If you say DR, you will BUT both will be taken directly out of your account. THEY WILL ONLY ASK YOU FOR YOUR PIN IF YOU SAY dr.- and charge you the fee.

True Credit cards, BILL you at the end of the month and should NEVER ask for a PIN or charge you a fee. NOTE: If you pay these cards in full at the end of the month...No finance charges of any kind....

Answer 3

Yes, if using it as a debit card but not as a credit card

Answer 4

The place that the card reader is connected to has a computer that wants that verifying data, It has nothing to do with any chip/no chip on your card.

Answer 5

When you use your card at a POS, depending on how you use your card, you will need to enter your PIN #

Answer 6

no