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Old 04-03-2012, 09:41 PM
 
Location: Los Angeles area
9,036 posts, read 6,707,484 times
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Default How can we tell if our credit card has a chip in it?

I read in the Los Angeles Times that credit cards with chips embedded in them can be read by scanners passed close to the wallet containing the credit card. Now I am curious to know if my credit card has a chip. Yes, I can call the issuer, but is there a way to tell by looking at the card?

Isn't it amazing how often "progress" turns out not to be progress at all, but something worse instead.
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Old 04-04-2012, 06:26 AM
 
Location: southwestern PA... where the nest is now empty!
11,324 posts, read 12,976,396 times
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Yes, you can see it on the card.
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Old 04-04-2012, 07:39 AM
 
829 posts, read 630,493 times
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Besides it being visible when you look close and tilt the card back and forth, there is usually something printed on it like Blink or EasyPass with a graphic denoting radio waves
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Old 04-04-2012, 07:44 AM
 
20,293 posts, read 15,462,370 times
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Quote:
Originally Posted by Escort Rider View Post
I read in the Los Angeles Times that credit cards with chips embedded in them can be read by scanners passed close to the wallet containing the credit card. Now I am curious to know if my credit card has a chip. Yes, I can call the issuer, but is there a way to tell by looking at the card?

Isn't it amazing how often "progress" turns out not to be progress at all, but something worse instead.
How is it worse? Tap n Go is extremely convenient. I'm pretty sure the benefits exceed the risk.
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Old 04-04-2012, 08:05 AM
 
Location: Victoria TX
38,744 posts, read 37,204,368 times
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Yes, as far as I know, you can easily determine if your card has a chip in it, which is quite visible.

But that is a voluntary gesture by the card issuer. A bank or other institution could issue a card with an undetectable chip, and there is, as far as I know, no protective legislation to assure a citizen that they are not carrying a card with a chip. We also have to take it as an article of faith just what information is on that chip, since the banks have free access to every scrap of information about our lives, and can put details of our past amorous relationships on the card chips of they want to. Very much the same way auto manufacturers can put GPS devices in new cars if they want to, without disclosing that fact to the buyer.

I'm not saying it is happening. I'm saying there is neither protective legislation nor constitutional restraint to guard the citizen's right to know what the oligarchy is doing, nor to deter them from doing it. Every once in a while there is a visible gesture to assure citizens that their privacy is being protected, like the line painted on the floor ten feet back from the pickup window at the pharmacy, and it makes everyone content in their security against snooping is being aggressively policed by the snoopers. Like the gestapo has to stand in line behind me at the pharmacy in order to flesh out their dossier on me.
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Old 04-05-2012, 01:13 AM
 
Location: Oakland CA
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Escort -- it would be a square metal piece just over the embossed number.
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Old 04-05-2012, 04:32 AM
 
Location: DFW - Coppell / Las Colinas
17,653 posts, read 16,455,542 times
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Quote:
Originally Posted by Escort Rider View Post
Isn't it amazing how often "progress" turns out not to be progress at all, but something worse instead.
E R... There has been a huge increase of cancer (in Men) in the right Butt cheek contributed to the Radio / Radiation waves released by the Chips.

Also just like the new toll tags, your bank can track your movements and sell the information to advertisers. If you go to www.google.followme.com you can plug in your credit card number and it will show on a map your location and where you've been for the last 48 hours.

I leave my card in my safe at home and no longer carry it in my wallet.














Just Kidding
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Old 04-05-2012, 06:53 AM
 
Location: property tax hell
1,928 posts, read 3,813,158 times
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just google for "credit card RFID" or "credit card chip" and you'll get a ton of pictures.

As for progress being worse.. that depends on how you look at things I guess. You can say cars are bad because they contribute to pollution, kill people, assist in crimes (makes it easier to rob banks) or even create them (car jacking).... But I'd say its still a progress that has more upsides overall.

RFID makes life easier. I can't wait for the day when we no longer have to stop at a cash register. You walk into a store, grab what you want and just leave. The RFID tags will be read by the sensor at the front of the store and the purchase is automatically processed. Yes, there was a commercial with the guy that looked like he was shoplifting meat. Not only will this help expedite the purchase, it can also help with shoplifting and make the supply chain process more efficient... which "should" make things cheaper.

That said - with any solution/tool... it all comes down to implementation. While RFID is a passive device and do not transmit anything unless activated by a scanner; the scanners can be purchased easily for around $10.

So the key here is what information is stored and how its stored. Most are encrypted, so just scanning a card won't produce anything by itself. One has to also break the encryption. There are reports that the encryption have been defeated in labs...but no reports of credit card breaches in the wild....

That said - the bigger concern may not be your chip. But how that information is stored/processed after its scanned. Things like TJX and the recent breach with the payment processor is a bigger concern as these are more directed attacks. And in the case of TJX, the attackers were fully embedded into the infrastructure unnoticed....
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Old 04-05-2012, 10:54 AM
 
1,048 posts, read 958,264 times
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One of my Chase cards had Blink at one point. Right after receiving the card, I was at Best Buy, in line waiting to pay. The credit card reader also had an RFID reader in it, and it was picking up my card 8 feet away, in my pocket, in my wallet - on a $6000 sale. The buyer was trying to swipe his card, and the machine was reading that mine had already been processed and wanted the numbers. I told the manager right then that if it showed up on my statement, they were out 6 grand - I would put a stop payment on it and report it as theft, and obviously the buyer would have already had the TV and accessories, and would be under no "real" obligation to return it, since the cashier processed the sale and buyer wouldn't know about it until he got his statement, and could just assume it was a BB screw up.

I got rid of that card and made Chase send me a normal one within a week.
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Old 04-06-2012, 03:55 AM
 
1,464 posts, read 1,187,836 times
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Isn't there some way to ask the Credit Card company what kind of bells and whistles your card comes with prior to getting the card?? What is the purpose of this "chip" and why is it in your card if it disrupts everyone elses around you?
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