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Does this apply to USA CCs in England?

In England, there is a 100 pound credit limit on contactless CCs (formerly 45 pounds during Covid) for UK CCs especially if a card is used frequently....Then merchants may also for a PIN OR the CC Mastercard or VISA can refuse payments, especially if the CC doesn't have a PIN.

Does anyone know if this aplies to USA Issued CCs used in England?

Thank you

https://www.visa.co.uk/how-you-pay-matters/payment-technologies/contactless.html

Posted by
2267 posts

My experience of this has been that above the limit or every X number of transactions the card reverts from tap to its “normal“ process. For UK cards that would be chip-and-pin, for Americans, that’s chip-and-signature — even when traveling.

Posted by
13 posts

BIG QUESTION: Will I need my PIN if I have to sign. I don't have one on my Mastercard & my Chase Bank insusts I won't need it (no time to get it mailed) AND that anytime I use my PIN it will compute as a very high fee cash advance even though my travel Rewards card has NO FOREIGN TRANSACTION FEES.

Also-Does revert to Chip/Signature limit use on TFL Tubes?

Posted by
2314 posts

Yes to over the Tap limit but I've never seen or heard that "frequent use restriction" enforced on CCs, only DCs.

Posted by
27104 posts

You should just be asked to sign a charge slip if you go over the tap limit. This happened to me or the friend traveling with me a few times when we were paying English hotel bills.

From reading this forum I've learned that it's pretty common for credit card telephone agents to tell folks credit card PINs are only for cash advances. That part is true for nearly all US credit cards, but it doesn't mean that if you somehow are asked for a PIN when you charge something, you will be charged the cash-advance fee if you input a (made-up) PIN. Cash advances only happen at ATMs. Charging a hotel, restaurant or purchase of any type will not result in a cash advance. Absolutely no one has come to this forum to report that has happened.

Posted by
13 posts

Thank you. My Branch manager thinks I'm wrong...

But my problem now is after she convinced me I don't need a PIN for my CC, I'm too late for one to be mailed & I'll be in London without one.

So how often are PINS now being requested there & under what circumstances.
ALL HELP much appreciated.

Posted by
565 posts

We used a Capital One Visa card for five weeks in England in May, 2022. If the charge was over 100 pounds we were asked to sign. Otherwise we “tapped” to pay. We were never asked for a PIN.
I’m not sure how this could affect using your card for the tube—you would never have a 100£ tube charge.

Posted by
13 posts

Thanks...It seems FREQUENCY OF USE is a possible reason PIN requests show up via Mastercard & Visa...

Posted by
14987 posts

Relax, most U.S. credit cards only have pins for cash advances. If you go over the 100 GBP limit, you will be asked to sign the charge slip. Don't worry about not having a pin.

I've spent nearly four of the last five months in the UK and none of my credit cards have pins. They are US credit cards and none have ever refused payments. Pins are not necessary to sign.

So, yes, US credit cards are different.

Jut make sure you alert your credit card issuer of your travels or they may block the card thinking it is stolen.

Posted by
27104 posts

Jenny, even if you had all the time in the world, you wouldn't be able to get a PIN that would work with 99% of the current US credit cards for purchase transactions. You'd just be sent a cash-advance PIN for use in ATMs. I tried this myself, intending to test out that cash-advance PIN if asked for a PIN during a credit-card purchase. I traveled for 3-1/2 months this summer (in Norway, Finland, England and Italy) and was never asked for a PIN when I used my credit card (hundreds of times). Usually I just tapped; for a few larger transactions I had to sign.

Only a tiny number of US credit cards are designed for use with PINs for purchase transactions. It's annoying, but at least the upward creep in tap limits is helping. We'll just have to be patient for a while longer, until the US eventually catches up with the rest of the world.

There's nothing you could have done differently, and you'll be fine.

Posted by
13 posts

Thank you all.
In accordance with other online chattter (PINS used as SECURITY step even for rightful owner after a Contactless CC is used X times) & pursuant to the first reply to my Question, below quote is from Barclays (B of A UK partner) & also appears on a variety of UK sites as the reason a PIN COULD be requested from ANYONE.

I will take the advice to relax... Much appreciated & will report back here about my experience.
Thank you everyone!

"If your card does fall into the wrong hands, the maximum amount per transaction is £100, and after repeated payments, the person will be asked for a PIN. For payments over £100, authorisation is required, so nobody can make purchases without your PIN or mobile phone passcode."

Posted by
23267 posts

We have pins for all our credit cards. Basically it is our ultimate back-up should all three debit cards fail. The probability of that happening is low but we still have them. The pin number is encoded on the back of each card so we don't forget the pin number.

Posted by
739 posts

I believe the OP is talking about a Chase card? If so I can tell you that PINs don’t help much in Europe on Chase cards. Between me and my father we had 5 different Chase CCs of 4 different versions ranging from low ends to high end and from standard private user to corporate cards. All with PINs. And NON of the, worked as Chip and Pin cards in France/Germany/Switzerland or England. We tried them all out at one point or another.

That being said the ONLY time it was an issue was at Gas stations with automatic pre pay pumps. And then only in France. And if there was an attendant (not always a sure thing) they could override the pin requirement. From various trips adding up to about 2 months we had one time that we had to give up.

So don’t worry about it to much

Posted by
7355 posts

Jut make sure you alert your credit card issuer of your travels or they may block the card thinking it is stolen

We’ll, that was a necessary step, until about 2 years ago. All our cards - Chase, US Bank, Capital One, all say they don’t need/want to be informed about our upcoming foreign travel. They say they’ll figure that out from the context of our purchases. Hmmmm - we still call them to advise them of our upcoming trip, and they keep saying there’s no need to let them know.

Posted by
10218 posts

I’m in England, using my card for everything, and can tap if under the £ limit. If over the limit the card is inserted and I sign. No pin is necessary.

Posted by
4 posts

That being said the ONLY time it was an issue was at Gas stations with automatic pre pay pumps. And then only in France. And if there was an attendant (not always a sure thing) they could override the pin requirement. From various trips adding up to about 2 months we had one time that we had to give up.

If asked for a PIN at a gas station in France, we've put in our US Zip Code and it has been accepted. I don't know why.

Jut make sure you alert your credit card issuer of your travels or they may block the card thinking it is stolen

I've traveled now in Europe and South America with my debit card/ATM card and that is the only one the bank wants to know about for travel. It is a Mastercard-branded card, so I thought they would have the same "we don't need to know about travel anymore" line. Not so. I got to an ATM in Colombia and couldn't get cash. Same in Ireland--I had let them know all other countries I am traveling to, but forgot when I made a quick trip to Dublin from Germany. All it takes is a quick call to your local bank or an online secure message.

Posted by
8439 posts

@ als466

If asked for a PIN at a gas station in France, we've put in our US Zip Code and it has been accepted. I don't know why.

You get an award for clever thinking!