Dipping Rather than Swiping
By marcyaz
@Marcyaz (35316)
United States
October 1, 2015 8:01am CST
If you have the new credit care you will probably will asked to dip it instead of swiping it like with your old cards.
Not everyone has received their new cards yet and not all retailers have the new machines in place yet.
Newer credit cards contain a more secure chip mechanism that protects consumer information better than the magnetic strips customers are used to swiping now.
It looks like a small silver rectangle on the credit card, and it generates a unique code every time the card is used so that the information is not useful to a thief.
After Oct. 1, a merchant with outdated technology could be held accountable if they don't have the updated chip card processing technology and accept a faudulent card.
27 people like this
26 responses
@Bluedoll (16773)
• Canada
1 Oct 15
I didn't know about the merchant part. I know they pay for every purchase so could actually give a discount for cash but don't. Now they have to upgrade or take a risk. I wonder if they have to pay for that as well?
They just add it to the price of goods.
6 people like this
@Bluedoll (16773)
• Canada
1 Oct 15
@Marcyaz They usually win the price war. Unless they don't and if they don't have a huge going out of business sale. Ever been to one? I guess a credit card is helpful then, I really don't like those cash places. Feel sorry for the people that need to use them.
1 person likes this
@TiarasOceanView (70022)
• United States
1 Oct 15
Well I am not sure which of my cards have it or not.
I am not worried as I am not using them..trying to pay them off first, so when I do have them paid they will be gone..period.
3 people like this
gone as in really gone?
@TiarasOceanView (70022)
• United States
1 Oct 15
@Marcyaz Oh I have not recieved any new one so I guess my card carriers are not up to scratch..
Yes gone for good.
@inertia4 (27960)
• United States
2 Oct 15
It might be better than the magnetic strip, but it will pose a whole slew of different problems. I have the Apple Pay in my phone. And the stores that accept it it works real easy. All I do is open my wallet app, use my finger print and it pays the bill. No information is exchanged. And it is totally secure. This is somewhat similar to that.
1 person likes this
@arthurchappell (44998)
• Preston, England
1 Oct 15
not heard of the new card tech. I find referring to the use of the card as 'swiping' odd as to swipe is a euphemism for to steal in the UK. I hear supermarket machines asking 'have you swiped your card?' and I'm tempted to yell back, 'no. I got mine quite legally thank you.'.
2 people like this
@Shyamalaa (525)
• Udaipur, India
1 Oct 15
I don't use credit cards. But I think all cards in our place have a microchip and pin. I don't know whether what you have mentioned is the same technology or not
1 person likes this
@Asylum (47893)
• Manchester, England
4 Oct 15
The technology that I really hate in credit or debit cards is the introduction of the contactless payment system. I was furious when I received my debit card with possessed this feature, I had never requested it and did not want it either.
Carrying a credit or debit card that can be used without any additional security such as PIN or signature is about as secure as carrying cash and defeats the object.
1 person likes this
@AbbyGreenhill (45494)
• United States
1 Oct 15
Just heard those same words on the news a while ago.
1 person likes this
@Marcyaz (35316)
• United States
1 Oct 15
@AbbyGreenhill
Cool, have you received your new card yet, I am waiting on mine to come in november.
@cahaya1983 (11116)
• Malaysia
3 Oct 15
The swiping and dipping have been here for quite sometime. The latest tech here is the "contactless" credit card tech. You can simply wave the card over a secure reader at the counter. It's not available at all places yet though.
1 person likes this
@cahaya1983 (11116)
• Malaysia
5 Oct 15
@Marcyaz There were complains about the reader not being able to read the card properly, but security wise I'm not so sure.
1 person likes this
@akd_jam (47)
• India
2 Oct 15
My bank already replaced my cards with the new chip enabled ones. It's good that the industry is taking steps towards curbing fraud. But it seems there is not enough push to get the merchants onboard the new platform. They need a new card reader for the dipping process to work but many are reluctant to make the investment. As long as cards still allow swiping on old card readers, my guess the vulnerability will continue to exist.
I will also be grateful if the industry can figure out some way to eliminate the entering of pin part for validation. Not only is it annoying, it's still a security risk because in public place anyone can see what you're entering.
1 person likes this
@SimplySara (148)
• Temple, Texas
10 Nov 15
I have seen the new machines in a few places. I'm surprised it's not more, based on your comment about the merchant's being held responsible for fraudulent charges already! My former salon had the new one, but my current employer hasn't updated it yet. I'm sure they will soon as they are a pretty large company.
1 person likes this
@Rosekitty (19368)
• San Marcos, Texas
1 Oct 15
I have 2 debit cards and one i just received and nothing is new on it..both have swipe on back..so now i will wonder if they work fine??
1 person likes this
@LeaPea2417 (37350)
• Toccoa, Georgia
1 Oct 15
That is how it is set up at Wal-Mart for those who have Wal-Mart credit cards.
1 person likes this
@spleendingo1 (799)
• Grand Haven, Michigan
2 Oct 15
The joke's on the identity thieves if they ever get a hold of mine. The worst that could happen is they could clean up some of my debt! 
@Marilynda1225 (82704)
• United States
1 Oct 15
I just got a new card with the chip but haven't used it yet
1 person likes this
@Ragnarok8 (196)
• Davao, Philippines
1 Oct 15
I didn't know that it already existed. I hope to see one here in our place. We are too far, I don't think we can have that one soonest.
1 person likes this
