Apple Card Requesting Pin

jimmysalg

macrumors member
Original poster
Sep 30, 2007
92
29
Miami
Hello! I tried to pay using my Apple Card at advance auto parts with my watch and it requested a pin. I hit cancel and the transaction continued as normal. My father in law had a similar situation but he didn't proceed. Anyone else have this issue?
 

zorinlynx

macrumors 603
May 31, 2007
5,759
7,264
Florida, USA
Terminal is likely trying to run it as debit. Hitting cancel made the terminal then run it as credit.

Some vendors do this as debit has lower terminal fees. However, even if you do have the PIN for your card, if you enter it and run a credit card transaction as debit, you will have to pay cash advance fees. So never enter a PIN for a credit card transaction in the US.
 

chabig

macrumors 603
Sep 6, 2002
6,309
3,563
Unless you think you are special, it’s likely that others have also been asked for a PIN.
 
  • Like
Reactions: rugmankc

Tom G.

macrumors 68020
Jun 16, 2009
2,159
952
Champaign/Urbana Illinois
Terminal is likely trying to run it as debit. Hitting cancel made the terminal then run it as credit.

Some vendors do this as debit has lower terminal fees. However, even if you do have the PIN for your card, if you enter it and run a credit card transaction as debit, you will have to pay cash advance fees. So never enter a PIN for a credit card transaction in the US.
Thanks for the info. I’ve had this happen with other credit cards, with Apple Pay, and with my Apple Credit Card. Like you say it was trying to run the Apple Credit Card as a debit card. I did not know about the pay cash advance fees, but did know that paying with a debit card is not nearly as secure as using a credit card. This info I got from a local newspaper when a store was hit by “Road Warriors.” These are people who sit outside a store with a laptop and a cheap antenna that can gather the debit card info when it is transmitted from the register/terminal to the computer terminal at the back of the store. If the info is not properly encoded then the people sitting outside have all they need to steal your info. According to the article this does not work with Credit Cards because they have always required the registers to be hardwired to the servers. The reason for this is that Credit Cards existed long before Debit Cards came on the scene and wireless transmission of data did not exist. One of the inducements for stores to go to the debit card system was that no new wires needed to be pulled. However the Credit Card people still required their data to be transmitted by wire. The only reason I still carry my debit card is to use it at ATM machines.

I have found a very few stores that will not allow you to use your Credit Card/Debit Card as a credit card. At those stores I either walk out and purchase what I need elsewhere, or use cash. Which Yogi Berra says in the AFLAC commercial is just as good as money.
 

4sallypat

macrumors 6502
Sep 16, 2016
416
391
So Calif
As an international traveler, I wish the US would adopt the European PIN option for credit cards.

I hate it when the European transport POS terminal says no to a US non PIN card (chip & PIN)
Most of the time in restaurants and hotels in Europe I just have to sign the slip (chip & sign)

It's the automated machines that decline US cards without a PIN.

I would love to not be hassled outside the US- that's all
 

tmiw

macrumors 68020
Jun 26, 2007
2,154
475
San Diego, CA
As an international traveler, I wish the US would adopt the European PIN option for credit cards.

I hate it when the European transport POS terminal says no to a US non PIN card (chip & PIN)
Most of the time in restaurants and hotels in Europe I just have to sign the slip (chip & sign)

It's the automated machines that decline US cards without a PIN.

I would love to not be hassled outside the US- that's all
Europe is well on their way to just tapping for everything (or at least for smaller purchases, anyway). Might as well use Apple Pay with the Apple Card instead of trying to use the physical card, which is mostly a thing because Apple pretty much has to in the US.
 

jimmysalg

macrumors member
Original poster
Sep 30, 2007
92
29
Miami
As an international traveler, I wish the US would adopt the European PIN option for credit cards.

I hate it when the European transport POS terminal says no to a US non PIN card (chip & PIN)
Most of the time in restaurants and hotels in Europe I just have to sign the slip (chip & sign)

It's the automated machines that decline US cards without a PIN.

I would love to not be hassled outside the US- that's all
I completely agree!!! Such a pain and then from time to time you get the overzealous store clerk trying to match the signatures!!!
[doublepost=1568207113][/doublepost]
I have gotten that numerous times over the years. Not unusual.
Funny hadn't happened to me before. Some good info shared by you guys.
 
  • Like
Reactions: 4sallypat

4sallypat

macrumors 6502
Sep 16, 2016
416
391
So Calif
Europe is well on their way to just tapping for everything (or at least for smaller purchases, anyway). Might as well use Apple Pay with the Apple Card instead of trying to use the physical card, which is mostly a thing because Apple pretty much has to in the US.
Asia is also huge in the mobile device payment systems as they use it for just about everything.

When I travelled in China, the taxis expect to be paid by a Chinese mobile phone w/ payment app. So when I took a ride, the driver looked at me weird when I gave him my US credit card. Had to pay by cash (RMB).

Then in Japan, the domestic boarding gates at the airports use the mobile device code scanners on Japanese phones. Since I didn't have an Asian phone, I had to go to the ticketing desk to get a boarding pass printed out.....

Hoping the US will adopt European (CHIP & PIN) and Asian (Mobile device readers) instead of having us lug around plastic cards.....
 

tmiw

macrumors 68020
Jun 26, 2007
2,154
475
San Diego, CA
Asia is also huge in the mobile device payment systems as they use it for just about everything.

When I travelled in China, the taxis expect to be paid by a Chinese mobile phone w/ payment app. So when I took a ride, the driver looked at me weird when I gave him my US credit card. Had to pay by cash (RMB).

Then in Japan, the domestic boarding gates at the airports use the mobile device code scanners on Japanese phones. Since I didn't have an Asian phone, I had to go to the ticketing desk to get a boarding pass printed out.....

Hoping the US will adopt European (CHIP & PIN) and Asian (Mobile device readers) instead of having us lug around plastic cards.....
Airports here can already scan QR codes off of phones, unless you're referring to something else?