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I slid my chip credit card through a chip enabled terminal. The terminal did not accept it but directed that I insert my card. Once the card was inserted, the transaction was completed. There is no PIN associated with the card, as the PIN is only required for cash advances on the card, as I understand it.
So the question is: Slide or insert?
February 7, 2017 11:10:34 AM
In reply to Steven, Tamarac
Thanks for giving us the opportunity to answer your question here on TD Helps!
That's a great question, Steven. When using your EMV Chip card, it will be required to insert your Debit Card if the terminal has a chip enabled reader. If the terminal is a traditional terminal without chip technology, you may swipe your card as you've done in the past. Then you will be prompted to sign or enter your PIN, if asked. For more information on benefits and features of our EMV Chip cards, please take a look here: https://go.td.com/2llY2K2.
Steven we hope all of this information was helpful. Feel free to contact us again with any other questions.
Shanika A, Mount Laurel
February 7, 2017 11:11:05 AM
In reply to Shanika, Mount Laurel
So, in order to use my Credit card at a chip enabled reader, I also have to use my debit card?? Is that right?
What goes in first: the credit card and then the debit card or vice-versa??
Pls keep in mind that my Credit card has no PIN assigned to it, as I do not want any cash advances.
Or did you mean CREDIT Card instead of DEBIT Card in your original reply above??
Please clarify. Thanks.
February 9, 2017 10:19:48 AM
We apologize for the confusion, Steven. Allow us to clarify.
You will not need to insert both a debit and credit card into a chip enabled terminal. You will only need to insert the preferred method of payment. Shanika was providing information on both debit and credit card transactions for all our customers as this is a public forum.
Please know that if your credit card is inserted, inputting your PIN will not be an option. PIN options would only apply to debit cards.
We hope you find our answers helpful and please don’t hesitate to return to TD Helps if you have any further questions.
Customer Service Team, Mount Laurel
February 9, 2017 10:20:18 AM