The Way You Use Your PSCCU VISA Credit Card Has Changed

What is ‘EMV?’

EMV stands for EuroPay, MasterCard, VISA, and it represents microchip technology in your card that increases security. This technology originated in Europe and has been instrumental in preventing the spread of credit and debit card fraud.

What makes it more secure?

The microchip in the card provides dynamic and secure data to the merchant’s terminal at the time of use. However, neither your card number nor PIN are ever stored in the merchant’s terminal. Additionally, the microchips are much more difficult to counterfeit than cards with just a magnetic strip.

Where can I use my new card?

While these cards have been used in Europe and Mexico for quite some time, they are just coming into use in the U.S. If your merchant is EMV-ready, the card reader will prompt you to insert your card. If you are at a terminal that does not yet accept EMV cards, they will process your transaction using the magnetic strip on your card.

Do I need to do anything?

When you receive a new EMV Chip Credit Card, your new card will have a new expiration date and CVV2 code (on the back). If you have automatic payments authorized on this card, you will need to give the merchants your new expiration date and CVV2 code.

How do I use my new EMV Credit Card? 

Using your new EMV card will be easy once you get used to following these few simple steps:

• Insert your card into the slot at the bottom of the card reader. Leave your card in the slot. Follow the prompts on the machines.
• If the retailer’s machine doesn’t yet accept EMV chip cards, you may run the transaction using the magnetic strip on the back.
• Sign for your purchase or enter your PIN as prompted. Once the transaction is complete, you will be promted when to remove your card.

For any questions, if you need assistance, or if you would like to get your own PSCCU EMV Credit Card please click here to contact us, or learn more about our VISA cards by clicking here.