Author Archives: Traci B. Jackson

11 Surprising Uses for Egg Cartons

Paul Girardin

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9 Things You Should Never Do

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11 Surprising Uses for Egg Cartons

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An Update on America’s Antique Credit Card Industry

Mother Jones

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Matt Yglesias is traveling in Europe right now, so naturally he’s complaining about America’s continued reliance on absurdly outdated magnetic stripe technology for its credit cards. Chip-and-PIN smart cards are used almost everywhere in Europe, which means that old style American cards often won’t work—sometimes because automated kiosks won’t accept them and sometimes because befuddled clerks have never seen one before and don’t know what to do about them. As you may recall, I whined about this last year before my family trip to Denmark and Italy.

Anyway, this got me curious: how are things going on the chip-and-PIN front? So I did a bit of googling and at first the news seemed good: a growing number of American card companies offer smart cards, some with no/low annual fees and no foreign transaction fees. Hooray! But as I continued looking into this, it turned out that virtually none of them were truly chip-and-PIN cards. American banks have instead decided to invent a whole new technology called chip-and-signature. WTF? Is this actually any more likely to work in Europe than an old school mag stripe card?

Most of the articles I read were frustratingly vague on this point, but this one from John Kiernan seems pretty authoritative and boils down to: no. Contrary to the happy talk from U.S. card flacks, “practical experience and consumer feedback indicate that you can still use magnetic stripe credit cards pretty much anywhere that will accept a chip-and-signature card. And the few places where magstripe cards don’t work (i.e. certain unattended kiosks), chip-and-signature cards don’t tend to work either.”

OK then. It’s basically a marketing scam. But we’re still left with a question: why don’t U.S. banks just offer real chip-and-PIN cards? They aren’t expensive, and the technology is well understood since every bank in Europe does it. What’s more, chip-and-PIN cards all have mag stripes on the back, so they’ll work fine in U.S. machines too. What’s the deal?

According to Kiernan, banks just don’t feel like it because they don’t have any incentive to do it at the moment. Plus this:

In addition, there are certain transitional, regulatory and logistical issues for banks that explain why they have not simply adopted chip-and-PIN credit cards.

Well, now he’s just playing mind games with me. What regulatory and logistical issues? Tell me, tell me, tell me!

In any case, the bottom line seems to be that things are now worse than ever. If you sign up for a “smart card” from a U.S. bank, you’ll feel more secure before you travel to Europe, but in fact you’ll be every bit as vulnerable as you were before. It’s the kind of unconscionable bamboozlement I’ve come to expect from the American banking industry. My advice for European travelers: hope for the best, but always carry a fair amount of cash with you just in case.

And what if you want a real chip-and-PIN card? Well, apparently the State Department Federal Credit Union, which anyone can join through its partnership with the American Consumer Council, offers one. So there’s that. And USAA has a genuine chip-and-PIN card for its members. Aside from that, your only real option is to wait until 2015, when chip-and-PIN is allegedly going to get rolled out in the United States. Yeesh.

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An Update on America’s Antique Credit Card Industry

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Complaints Abound in ‘Green’ Certification Industry

green4us

How to Raise the Perfect Dog – Cesar Millan & Melissa Jo Peltier

From the bestselling author and star of National Geographic Channel’s Dog Whisperer , the only resource you’ll need for raising a happy, healthy dog. For the millions of people every year who consider bringing a puppy into their lives–as well as those who have already brought a dog home–Cesar Millan, the preeminent dog behavior expert, says, “Yes, […]

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Codex: Eldar – Games Workshop

Codex: Eldar is your comprehensive guide to wielding the deadly warhosts of the Craftworld Eldar upon the battlefields of the 41 st Millennium. This volume details the craftworlds of the Eldar, and the different types of army they field. The Eldar embody excellence in the arts of war, from their psychic might to their deadly aircraft, and their ranks co […]

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How to Paint Citadel Miniatures: Eldar – Games Workshop

The deadly skimmers, skilled Aspect Warriors and valiant Guardians of the Eldar craftworlds fight a constant battle for the survival of their very species. In this Army Workshop, the talented Studio army painters demonstrate how to paint a varied selection of Eldar miniatures using the Citadel paint range. Example miniatures featured in this extensive painti […]

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Codex: Tau Empire – Games Workshop

Codex: Tau Empire is your comprehensive guide to unleashing the might of the Tau upon the battlefields of the 41 st Millennium. This volume introduces the four Tau castes, the Ethereals, and their mercenary allies. This dynamic race has begun its Third Sphere Expansion, setting forth into the stars to grow the borders of their burgeoning empire and bring the […]

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Warhammer 40,000 Altar of War: Eldar – Games Workshop

Altar of War missions provide all the information required to play games inspired by the battlefield tactics of the different Warhammer 40,000 armies. This book contains six brand-new missions which you can use instead of the Eternal War missions in the Warhammer 40,000 rulebook if you or your opponent has an Eldar army. These battles sho […]

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World of Warcraft: Dawn of the Aspects: Part IV – Richard A. Knaak

A Simon & Schuster eBook. Simon & Schuster has a great book for every reader. […]

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Iyanden – A Codex: Eldar Supplement – Games Workshop

For thousands of years, the Eldar of Iyanden have sailed through the sea of stars, defending the galaxy’s eastern rim from the threat of Chaos. They have won great victories, but have known terrible tragedy also; what was once the most populous of craftworlds is now but a shadow of its former glory. This supplement to Codex: Eldar allows you to ta […]

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Trident K9 Warriors – Michael Ritland & Gary Brozek

As Seen on “60 Minutes”! As a Navy SEAL during a combat deployment in Iraq, Mike Ritland saw a military working dog in action and instantly knew he’d found his true calling. Ritland started his own company training and supplying dogs for the SEAL teams, U.S. Government, and Department of Defense. He knew that fewer than 1 percent of […]

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Inside of a Dog – Alexandra Horowitz

The bestselling book that asks what dogs know and how they think, now in paperback. The answers will surprise and delight you as Alexandra Horowitz, a cognitive scientist, explains how dogs perceive their daily worlds, each other, and that other quirky animal, the human. Horowitz introduces the reader to dogs’ perceptual and cognitive abilities and then draw […]

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Cesar Millan’s Short Guide to a Happy Dog – Cesar Millan

After more than 9 seasons as TV’s Dog Whisperer, Cesar Millan has a new mission: to use his unique insights about dog psychology to create stronger, happier relationships between humans and their canine companions. Both inspirational and practical, A Short Guide to a Happy Dog draws on thousands of training encounter […]

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Complaints Abound in ‘Green’ Certification Industry

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5 Green Apps That Make You Money

earth911

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5 Green Apps That Make You Money

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Creating An Environment Friendly Solar Panels

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