It always amazes me that US is so far behind in card security and overall technology (on macro level, I know some individual locations are adapting them faster). Unexpected bit of culture shock.
Rumor is that stealing credit card numbers is incredibly easy with chip cards, you can walk around the mall with a homemade device and take home thousands of numbers. Now they wont be able to make physical cards, but they can still do wonders on the internet.
I take it you're talking about a contactless chip (NFC or RFID typically) versus the old magnetic stripe?
I'm not sure which part you don't like. Is it the security or the physical action of swiping the card?
Over here if you swipe a card with a magnetic strip (or insert it into the reader) you have to enter a PIN regardless of the amount of the transaction. But contactless cards generally don't require a PIN for any transaction under $100. That's the only real difference.
But if this is credit cards we're talking about, there is zero security on those things anyway because you can sign for them. If someone has your card, they have your money.
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That's no different to the usual tactic of going through bins looking for receipts or whatever it was they did. Or getting the numbers online which is how it mostly happens today.
Again, this is a flaw in credit cards, not contactless. PIN should be mandatory everywhere, but it isn't.
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I worked in the credit card industry here in Australia, it's not your imagination, we'd attend talks on the state of the industry internationally and how backwards the US is was (vs. Australia, the UK, Europe, Asia etc) a common topic of conversation. It's a big country, the relationships within the industry bodies are complex and the society is very resistant to change.
I mean shit, they still use the Imperial system.
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Those must be some ancient machines or some terrible setup... I've never heard of something like that. A card swipe should be virtually instant. No reason it should take longer than the barcode you swipe on your actual shopping.
Unless that's how slow the network is contacting the bank for authorisation. But if that's the case then it'll be the same no matter which tech you use - swipe, mag stripe, you name it.
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IIRC there's two separate things - the authentication and the data transfer that happens at the end of the day. The authentication part should be the same no matter which verification method you use, it's still sending the same data whether it's from the mag stripe or the chip.
But I don't know how the system has been set up in the US.
My student ID is a contactless card in some situations. I think you'll be fine
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Chips on cards are almost mandatory these days. A good 0.5% of magnetic swipes are fake skimmers these days. That might not seem like much, but that means theres a 1 in 200 chance you use your card that it'll get stolen. How many times do you use your card a month, a year?
In the recent past, I've had my card skimmed twice, and I've found skimmers twice. That's four times in a period of about 7 months. If you don't have a chip and using a code, you're basically just playing russian roulette.
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IT'S ALWAYS BEEN WANKERSHIM | Did you mean: Fhqwhgads"Three days on a tree. Hardly enough time for a prelude. When it came to visiting agony, the Romans were hobbyists." -Mab
I can make a wire transaction from my phone... cards, chips? who cares.
All right, gentleperchildren, let's review. The year is 2024 - that's two-zero-two-four, as in the 21st Century's perfect vision - and I am sorry to say the world has become a pussy-whipped, Brady Bunch version of itself, run by a bunch of still-masked clots ridden infertile senile sissies who want the Last Ukrainian to die so they can get on with the War on China, with some middle-eastern genocide on the side
Yep. I check each one I'm at now, since the last one I got skimmed at was a gas station. I can't check at fast food places, or anywhere I have to give my card to someone, and I know it's a gamble, but I can't do much else at those place,s and its not worth simply 'not going there'
Gaming: Dual Intel Pentium III Coppermine @ 1400mhz + Blue Orb | Asus CUV266-D | GeForce 2 Ti + ZF700-Cu | 1024mb Crucial PC-133 | Whistler Build 2267
Media: Dual Intel Drake Xeon @ 600mhz | Intel Marlinspike MS440GX | Matrox G440 | 1024mb Crucial PC-133 @ 166mhz | Windows 2000 Pro
IT'S ALWAYS BEEN WANKERSHIM | Did you mean: Fhqwhgads"Three days on a tree. Hardly enough time for a prelude. When it came to visiting agony, the Romans were hobbyists." -Mab
All right, gentleperchildren, let's review. The year is 2024 - that's two-zero-two-four, as in the 21st Century's perfect vision - and I am sorry to say the world has become a pussy-whipped, Brady Bunch version of itself, run by a bunch of still-masked clots ridden infertile senile sissies who want the Last Ukrainian to die so they can get on with the War on China, with some middle-eastern genocide on the side
Gaming: Dual Intel Pentium III Coppermine @ 1400mhz + Blue Orb | Asus CUV266-D | GeForce 2 Ti + ZF700-Cu | 1024mb Crucial PC-133 | Whistler Build 2267
Media: Dual Intel Drake Xeon @ 600mhz | Intel Marlinspike MS440GX | Matrox G440 | 1024mb Crucial PC-133 @ 166mhz | Windows 2000 Pro
IT'S ALWAYS BEEN WANKERSHIM | Did you mean: Fhqwhgads"Three days on a tree. Hardly enough time for a prelude. When it came to visiting agony, the Romans were hobbyists." -Mab
How are you getting that "new" just now lol. In Romania, my cards have had a chip since like 10 years ago lol. And for quite some time we're also using paywave, so no swiping and whatnot, just the pin required if the transaction is over 25$ or something. Swiping also wears out your card.