Chip and PIN Credit & Debit Cards

Europe and Canada have adapted the chip and PIN payment for credit and debit cards. These cards are embedded with a chip and are protected by the use of entering your PIN. However, some merchants have mistakenly refused to accept Visa cards containing magnetic stripes.

Visa cardholders should be able to use their cards globally. The chip and PIN terminals are designed to recognize magnetic stripe cards. Visa is working with merchants to make sure they understand correct acceptance procedures.

If someone refuses to take your card:

• Have the merchant swipe your card and follow the prompts on the terminal.
• Ask the merchant to call their financial institution for instructions.

If your card is rejected at gas stations or ticket kiosks:

• Try to locate a terminal where a clerk can help you with the transaction.

Your UW Credit Union Visa cards are still a great option to use while traveling. For debit cards, you're able to access $5,000 daily for signature-based transactions. At ATMs, depending on how long you've had your card, you can withdraw $525 daily for cards 180 days or older. If you’ve had your card less than that, you can withdraw $225. You can also perform a cash advance with your credit card for a small $2 fee. Interest, if applicable, is charged at your current rate starting on the transaction date and is not higher for cash advances.

We are listening to members' needs for chip and PIN cards and are working on implementing this technology. We will keep you posted on our progress.

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