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Diners Club Ubtridyces New Cards for US Residents

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After a long hiatus, Bank of Montreal/Harris has isued two new Diners Club cards available to US residents. One will have an annual fee of $95 the other over $400. You can read, if you are inteested about the benefits of each on the diners club web site. What might make them appealing to USA residents here is that both have no foreign transaction fees and both will apparently be "true" chip and pin cards bringing to a total of 2 the number of "true" chip and pin cards available to USA residents.

Almost all the remaining emv chip compliant cards that have been issued in the USA and indications are almost all of the rest that will be issued in the future, at least for the time being, will function as chip and signature cards at point of sales terminals throughout the world although many will have the ability to work in unpersonneled kiosks such as unattended gas stations, parking garages and transportation machines.

We have discussed this topic repeatedly and some of the misunderstandings regarding the USA roll out of emv chip compliant cards. Visa and mastercard and Amex pushed hard for the USA to go chip and signature rather than chip and pin and claim that they will be mounting campaigns to make sure merchants throughout the world understand they must accept chip and signature cards as there have been a few scasttered reports of some merchants refusing to complete a transaction when his or her terminal flashes signature required even though the terminal is quite willing to process the transaction leaving some up the creek without a paddle. I stress this has only been reported in isolated cases. Visa/mc and amex also claim they will work to make sure that chip and signature cards will be accepted at unpersonneled kiosks by nexgt June. How successful that will be is open to question.

This seems to be the latest as the USA moves into the late 20th century as far as credit cards are concerned; just in time for a new generation of payment media to be introduced such as Apple pay. But it's clearly better than mag strips. That's for sure. (See Home Depot, Target, Calfiornia Department of Motor Vehicles).

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