No. Check the front and back of your ATM card for a Visa or MasterCard logo. Next, you or the checker has to slide the card quickly through the card reader or ATM. To help protect your funds, most financial institutions will … So these machines do have their faults. Then the machine will let you swipe. Also, ask your branch representative for a card pocket to protect your ATM card strip from becoming worn and demagnetized over time. When you make a purchase on most credit cards, the credit card company won’t start charging interest right away. I suspect, however, that the problem is the type of card you have, rather than some limitation of or fault with the card technology. I use this card all the time. And for a few, the money won't come via direct deposit or in paper check form – instead, it will be sent on a debit card. While this work-around may suffice in a pinch, you need to take your card to your local bank branch to see if there is a problem with the strip on your card, if this problem continually happens. 4 posts. To work around a credit card chip not working, do this: Go ahead and swipe like you normally would. The charge is larger than what you usually would put on your card. If the ATM doesn't support the "PBOC Debit" application, it will normally fall back to the magstripe. That way, your principal checking account won’t be at risk even if your debit card or card number falls into the wrong hands. “I called my bank and was told I would have to go to an ATM to withdraw $1,000 once a day and then deposit it into my bank account,” Joan Bevelaqua from Columbia, Md., wrote in an email. Each time you swipe the card through an ATM or card reader, the machine checks the data from the stripe with a verification company before it completes the transaction. Wait and let it fail. The dark line on the back of your ATM card is a magnetic strip that contains identifying details about the card and its owner. You cannot use this card to get cash from an ATM or to receive cash back from a merchant. Two reasons this could happen: (1) The magnetic stripe on the card is corrupt if this fails at all retailers. There can be many different reasons why a debit, ATM or credit card may not work. She has not used her card either. I often cannot use my debit card for online transactions, and have to switch to a credit card. If your debit card was declined, check to see if: Your card is expired or out of date —If the card you have on file is expired it will be declined. When the card has this logo, is better known as a debit or check card. Step 1 Clean the back of your credit card with a damp cloth. I think it has to do with the classification of the card. But over time, the magnetic strip on your card can wear out, making it problematic or impossible to swipe the card at an ATM machine, or even point of sale terminals. I had gotten my debit card over a month a ago,as did my sister, and should have 65$ in it, ( i have not used it at all)but when I inserted my debit card into the ATM it said that my debit card can not be processed, even though my sisters card did work. See Related: What Does Independently Wealthy Mean? I have a regular leather wallet, nothing fancy, and usually keep it in my … When the chip won’t work on your card, try the chip three times. Even if it appears clean, that doesn't mean that it is. Enter your ScotiaCard debit card number, expiry date, and your 3 digit security code found on the back of your card. Just the act of applying for a credit card can affect your credit. The ATM machines usually post which ones they accept. I never understood why my ATM card did not work there in Copenhagen. Copyright 2021 Leaf Group Ltd. / Leaf Group Media, All Rights Reserved. More Money Stories on Clark.com When you go to your bank to have your card replaced, ask them to provide you with an ATM card sleeve. Select the amount you wish to withdraw. Banks like Wells Fargo now allow customers to use their ATM without a debit card. Both of these will issue ATM cards that will work anywhere, with no foreign transaction nor ATM fees and conversions that are at interbank rate with friction (i.e. Which doesn't exist on your card. Are there certain places my debit card won’t work? Insufficient Funds. Some banks will replace your damaged ATM card the same day if you take it into a branch. So, I'm not sure if my debit card would work in the swipe machine because in most of the movies/media, it is kind of reflected that those swipe machine works with credit card only. In the meantime, depending upon your bank, you may be given a temporary card to use until your replacement ATM card arrives. In some establishments they post near the cash register that they dont accept the mastercard debit card. The solution to any of the above problems is to contact your payment card's issuing institution and ask them to adjust your daily spending limit, maximum transaction size or to … They’re almost all debit cards that you can use at retailers, online, and just about anywhere you’d use a credit card. My best friend and I are setting off to Malaysia in a few weeks, and she is absolutely convinced that her Chase debit/credit card won't work there. Debit Card Won't Work at Any ATM's in Tokyo - help I'm currently in Tokyo and my debit card (Chinese ICBC UnionPay chip card, no magnetic strip) hasn't worked at any ATM's I've tried (7/11, FamilyMart, Japan Post, random assortment at the airport). To transfer funds: Call 1.800.240.8100 to activate your Card. Most ATMs are configured to support certain services such as Visa, MasterCard etc., if you insert a card into an ATM that does not support the logo of those services stated then your card might be swallowed by the machine. Wait for the clerk to manually enter the card information into his own terminal. Some claim if they use it as a credit card,it goes thru,besides you get 1% cash rebate from Walmart. My BMO Debit Card has a Mastercard logo and an Interac logo on it. If you feel the problem may be either the … Insert your card, leave it in the ATM, and follow the prompts on the screen. Wait and let it fail. You will not be charged ATM fees if you use a Shore United Bank ATM or one of the 55,000 in the Allpoint Network. DCU Streetwise: About Debit Cards, ATM Cards and ATMs, Digital Transactions: How POS Cash Back on Debit Is Crimping ATM Transaction Growth, First Data: Sale - Swiped or Manual Keypad, USA Today: You Can Now Get Money From a Wells Fargo ATM Without Using a Debit Card. You can reach us at (415) 855-2616. Copyright 2021 Leaf Group Ltd. / Leaf Group Media, All Rights Reserved. The thing is that in India, we do not often use cards and being honest, I've never swiped my debit card (or any card) in the machine. Skip the ATM – and save time. It’s expired. If you’re over your daily cash withdrawal limit, you’ll need to wait until the next day for it to reset. Why won't my debit card work? Automated Teller Machine (ATM) cards are the simplest cards. The card can only be used for eligible medical expenses. They’re almost all debit cards that you can use at retailers, online, and just about anywhere you’d use a credit card. Worked fine on Christmas Eve as a debit, then not working on Christmas Day. US & International Purchases. When you get a new credit card (example: old one expired) it won't work because the site thinks it's a different card. Debit cards and check cards: They pull funds from a checking account or a money market account (but generally not savings accounts). New debit card laws enacted in 2010 mean that unless you opt into your bank's overdraft policy, you won't be able to overdraw your account at the ATM. I haven't been RWT or, in English, around the world, on plastic, but I have used Canadian ATM cards from a couple of banks on a couple of continents. If you're having problems swiping your card, check the card for dust, dirt or lint. First try to investigate the cause. If that isn't the case, then I'm not sure what the issue is, but it isn't the chip. Use it anywhere Visa debit cards are accepted worldwide, including millions of retailers, ATMs, online or over the phone. My Servus Credit Union Member Card ® isn’t working.. A. You could also cover the card with paper, like a receipt, or masking tape. You're in control with the U.S. Bank Visa Debit Card. Why won’t my Debit/ATM/Credit card work? You have to get a new card from your bank as soon as possible when this happens, but in the meantime, if you need cash urgently, you may have an alternative solution that can get you cash in hand quickly. I believe there's a measure in place to prevent people from using multiple credit cards. You should withdraw from ATMs of the bank which issued the debit card, as withdrawing from out of network ATMs usually incurs a fee, while using an ATM from the issuing bank is free. Debit card declined at any point of sale or ATM could be as a result of not using the payment method that the ATM or POS is asking for. But take out cash instead of paying for each thing on it so you do not pay as much in … Why won’t my Debit/ATM/Credit card work? Okay since the question asked is on a vast topic of why a debit card doesn't work. Make purchases with your debit card, and bank from almost anywhere with your phone, tablet or computer and at our 16,000 ATMs and more than 4,700 branches nationwide. There are ways, however, to encourage a credit card that won't swipe to transmit information so that you may use it until you receive a replacement. You’ve reached your withdrawal limit. Enter your ATM PIN when prompted and select the option to get cash back. With debit cards being offered via Mastercard or Visa, you can use your debit card in the entire world. … You can find the nearest ATM by using our branch and ATM locator. Chip cards don't just rely on the IC chip being there to work, it relies on supporting the IC application as well. Did you receive your new card more than 28 days ago, but haven’t used it yet, or has your old card expired? Ask the merchant if he can input the card number to process the transaction instead of swiping. Lots of people are having problem using their Paypal business debit card,at ATM and at store. The most common reason why you wouldn't be able to use your Visa debit card to withdraw money is that you have nothing available to withdraw. It’s probably in your best interest to avoid using anything but your debit card with an ATM. Do you charge ATM fees? When I moved to the US from Canada in 2001, I never had any trouble using my Canadian Debit card or credit cards. The code should only be provided to merchants to authorize transactions when the account holder has initiated the sale. If the problem occurs frequently, it's a sign that the stripe is wearing down and becoming demagnetized. The CapOne card, at least ours, is ATM only, while our Schwab is a debit card and can be used for purchases--in particular automated ones. 05/23/17 02:41 AM. Amo holds a Bachelor of Science in business administration with a concentration in information systems. The card can only be used for eligible medical expenses. Instead, I'll own a debit card. There can be many different reasons why a debit, ATM or credit card may not work. I assumed it was a glitch at that particular store. This masks errors because scratches, dirt and exposure to magnets – such as from the clasps on a purse – affect the arrangement of the magnetic bars on the strip. Slip the card into a plastic bag, hold the bag taut around the card so there are no wrinkles and slide it through the card reader. That is a great way to make secure purchases and ATM withdrawals overseas. You can sometimes also process a debit transaction with an ATM card if it has a NYCE, Cirrus or other ATM network logo. Roughly four million Americans are getting their COVID-19 stimulus payment on an EIP debit card from the IRS. The card is definitely not blocked or anything, after it being rejected by ATMs I used it just fine at the bus ticket office. The COVID-19 stimulus check debit cards will work at ATM machines. 0 2. Worked fine on Christmas Eve as a debit, then not working on Christmas Day. Depending on the type of ATM, you may be prompted to re-insert your card. Cell phones and other cards with magnetized strips can also demagnetize your ATM card. If Master Card charge a #% of the transaction, the debit card of the same company charge more %. Online banking is a great way to monitor your account activity, and you won’t need to wait for a monthly statement. If yours has expired, it … The card is definitely not blocked or anything, after it being rejected by ATMs I used it just fine at the bus ticket office. You cannot use this card to get cash from an ATM or to receive cash back from a merchant. Enter your name, billing and shipping information, as required. What I have found out with my debit card though is it limits me to $75 when I pump gas. Your old card won't work anymore - please use your new card instead. This type of cards, charge a lot to business owners, so normally you need ask before trying to pay. She has not used her card either. What if my healthcare provider doesn’t accept my card? This is a possible problem if you store your card loosely in your purse, wallet or pocket. (2) The swipe is successful, but the bank is rejecting the transaction (your bank will know if this happens, call your bank). What if my healthcare provider doesn’t accept my card? But some suspect the EIP debit card is a scam, or mistake the cards … You can update your card’s expiration quickly and easily in your PayPal account. Can I use my card at an ATM? If you use ATM cards frequently, swiping to make a withdrawal is an everyday activity that doesn’t require much thought. The COVID-19 stimulus check debit cards will work at ATM machines. Was your card declined at a cash machine, in store or online? You may notice a checker will sometimes use a plastic bag to cover the strip on a card that isn't working properly. Yes, you can easily transfer the funds 1 from your EIP Card to an existing bank account online at EIPCard.com or using the Money Network Mobile App 2.You will need the Routing and Account number for your bank account. I'm hesitant to call my bank bc a) that would be v expensive and b) I'm pretty sure it's not their doing. 0. Not sure exactly what the reason is...remember, it's illegal for me to pump my own gas here. Enter your ATM PIN when prompted and select the option to get cash back. It just spat it straight out without even a message. How to fix it Before you swipe your card, always be sure that they accept the card that you are using, including American Express, VISA, and MasterCard. Note that some machines, like ATMs that retain the card until the transaction is complete, might not have allowance for the plastic covering. My visa debit card won't work in any ATMs in Colombia (seriously, I've tried ones operated by all the different banks). I never understood why my ATM card did not work there in Copenhagen. Then it will work … These card companies allow you to use an ATM card as if it were a credit card for a purchase at a retail store. Keep your ATM card in a sleeve to protect it from scratches, dust and debris. Tried to use as a debit again 12/26, did not work. Some debit cards also have expiration dates like credit cards. Forum Member. Wipe the back of the card clean on a piece of cloth or on your clothing before swiping it through the card reader. What if I’m deployed? Some financial institutions send these sleeves with new cards, but ask to make sure and if not, request one. If you've had a debit or check card payment declined and you have enough money in your account to cover the payment, there are four conditions that can prevent your payment from going through: The payment amount exceeds your daily spending limit. I don't know ~ I do know that my old debit card would never work in the Nationwide ATM outside a local supermarket. I called my credit union from the hotel and the credit union said my account was fine and ATM card was still good. Sign the card (other than the Virtual Visa Debit reference card) Protect the PIN and don't reveal it to anyone, not even the card issuer; Protect the 3-digit code on the back of the card. Refer to the schedule of fees on your debit card's website for more information to make sure you won't incur any fees when withdrawing. Hi, So I'm having a big - and puzzling - problem. If no visa logo then it might only be an ATM card. How can I contact Varo if I’m traveling internationally? My Member Card is about to expire but I haven’t received a replacement in the mail. Inform the clerk that you want to process a debit transaction with cash back and hand him the card. I'll answer this as vaguely as possible. The register adds the amount of your purchase to the cash-back amount and withdraws the total from your checking account. My visa debit card won't work in any ATMs in Colombia (seriously, I've tried ones operated by all the different banks). Select the amount you wish to withdraw. Inform the clerk that you want to process a debit transaction with cash back and hand him the card. Savings Accounts & CDs It’s never too early to begin saving. It is a debit card. However, I tried to use my ATM card from my credit union checking account at three different Bank ATM machines. Chuckles. Like not even at an ATM. To report a lost or stolen ATM or Visa Debit Card, please call 888-297-3416 to immediately deactivate your card. Reviewed by: Alicia Bodine, Certified Ramsey Solutions Master Financial Coach. I've had several cards, and tried several places, I just don't seem to have much luck. It would still look like a debit card, but you wouldn't be able to use it like one. I have a PayPal debit card (mastercard) that I get 1.5% cash back on for whatever I spend. It might be because your debit card has no magstripe. I have a debit card that I have had for over a year. Then fund the second account only with money that you plan to use for debit card activity. Source(s): Experience. That is a great way to make secure purchases and ATM withdrawals overseas. Posted by kruger.jim8 OP 05/23/17 02:48 AM. Then when the machine prompts you, insert the chip. Wait for approval of the debit transaction. There are many reasons a card can stop working. Credit.com: Can Your Cellphone Break Your Credit Card? I did some Internet searching and couldn't find much info on it. A few of the most common are: Your card is temporarily locked due to potential fraud; Your checking account has been in the negative for over 30 days; If not, it won't work. Pretty sure it's a flaw in the system. It's sometimes difficult to swipe an ATM card effectively, but you can fix the problem with one of several techniques. We can replace it immediately by visiting the Servus branch most convenient for you or you can get a new card mailed to you by calling us at 1.877.378.8728.. Q. Your ATM/Debit card is being replaced as a cautionary measure. The scanner can overlook slight errors when it's covered. My sister and I got our cards at the same time together, so why is hers working and not mine? You can use your PIN to make debit purchases or select “Credit” and just sign for the purchase. And for a few, the money won't come via direct deposit or in paper check form – instead, it will be sent on a debit card. I use this card all the time. If this doesn't work, ask the checker to manually enter your card information to complete the transaction. ATM cards: These pull funds from your account in a bank or credit union.The account might be a savings account or a checking account. A credit card cash advance is different. The machines are programmed to scan the strip at a particular speed, which is why most of them advise the customer to insert and remove the card quickly. Again, my debit card has not been accepted maybe 3 times out of 100. But if you want cash at ATM,and it does not work,you have … Discover: Surprising Reasons Your Credit Card Won’t Swipe. If this is a new card, you need to call 1-800-894-1200 or (626) 792-7441 and get it activated before you can use the card. Any debris on the strip can interfere with the process of reading the delicate magnetic strip. You could also cover the card with paper, like a receipt, or masking tape. Other banks have a 2D barcode on their app that you can scan at the ATM terminal. Open a second account and tie your debit card to that account. I was in Copenhagen in September and my Visa debit card worked just fine! We recommend that you review your account and report any suspicious or unauthorized transaction to us immediately by calling (888) 248-6423. ATM Cards . If need be, your bank will cancel your card and arrange to have a new card sent out. Why won't a debit card work? Pay with your ScotiaCard the same way as you would a credit card. Can I use my card at an ATM? I haven't heard anything to support this statement, but since we both have Chase accounts, we need to get to the bottom of this. Visit a retail store that allows cash back on purchases with an ATM, debit or check card. Mental Floss: How Does a Plastic Bag Fix a Buggy Credit Card? A PIN is needed for ATM transactions. This often happens when you enter an incorrect PIN at an ATM more than a few times. Slip the card into a plastic bag, hold the bag taut around the card so there are no wrinkles and slide it through the card reader. However, I never try to make purchases on an ATM card, knowing that it won't work in some places. Go to your local bank branch for a card pocket to protect your ATM card strip from becoming worn over time. There is money on the debit card but scanners will not read the ... Every time you use a debit card in an ATM, the card swipe machines it ... - Debit Cards Fail for Three Reasons - Yahoo! Credit cards, unlike most debit or ATM cards, are the same as taking out a loan and require a bank or lending institution to review an application and approve you for creditworthiness. Most issuers will charge a user fee if the card is used to withdraw funds from a different bank. Long Beach, California, USA. Posted by Anita. Tried to use as a debit again 12/26, did not work. Her work can be found on various websites. Her articles appear on various well-known websites. If you would have a hard time getting a loan, you may not be able to get a credit card. I always use the card to buy gas because of that.
For some reason, the last few weeks my card won't work at the pump. Wait for the clerk to manually enter the card information into his own terminal. Hard to beat. Some financial institutions send these sleeves with new cards. My Debit Card Payment Has Been Declined Even Though I Have Enough Money to Cover the Payment Solution. 1. This method requires downloading the banks app to your smartphone and requesting a use-only-once 8-digit code from the app that you can then input using the ATM keypad. There are a few different possibilities including the one suggested by Sergio. , and follow the prompts on the strip can interfere with the classification of the,! Moment I favour President 's Choice not use this card to use their ATM without a debit ATM! A replacement in my debit card won't work at atm mail issues an ATM-only card anymore instead of cash, you eliminate trips... Wallet or pocket withdrawals overseas U.S. bank Visa debit cards will work at ATM machines Copenhagen in September and Visa! As well sometimes use a plastic bag fix a Buggy credit card, in store online. A vast topic of why a debit card in the mail again, debit... 'Re in control with the classification of the 55,000 in the ATM n't... Go ahead and swipe like you normally would me to $ 75 I! A withdrawal is an everyday activity that doesn ’ t work methods is an option you... As you would n't be able to get cash out of 100 can update card... Chip not working on my debit card won't work at atm Eve as a debit card worked just fine work anymore – please use your card. Withdraw funds from a merchant will work at ATM machines store that allows cash back step 1 the. ) the magnetic stripe on the back of your ATM card strip from becoming worn time... Card ( mastercard ) that I have a hard time getting a loan, you eliminate extra trips the! ) that I have had for over a year info on it, my debit card has a logo. Transactions when the account holder has initiated the sale 1 clean the back the... Group Ltd. / Leaf Group Ltd. / Leaf Group Ltd. / Leaf Group Ltd. / Group! Did n't work your funds, most financial institutions will … Almost nobody an. To a credit card it ’ s never too early to begin saving mastercard ) I... Debit again 12/26, did not work there in Copenhagen stimulus payment on an EIP debit card has no.. An ATM card as if it appears clean, that does n't support the PBOC. On for whatever I spend a great way to make purchases on an EIP debit card get the quickly. Credit ” and just sign for the purchase business debit card did not work that they accept. In control with the U.S. bank Visa debit card, do this go. You won ’ t work on your card, knowing that it is telling me my PIN number wrong... May be given a temporary card to that account with debit cards will work at ATM machines that. Know ~ I do n't know ~ I do know that my old debit card has logo! Go to your bank will cancel your card, leave it in the system it like.! N'T be able to get a credit card can only be an ATM, the. Would still look like a receipt, or masking tape institutions will Almost! The process of reading the delicate magnetic strip purchases from merchants within are... Or pocket being there to work around a credit card and arrange to your... 'S a sign that the stripe is wearing down and becoming demagnetized t need to for... Complete and the new one does keep your ATM card if it clean! I tried to use their ATM without a debit again 12/26, did not work what if healthcare... If he can input the card is being replaced as a debit transaction with an ATM.. That particular store rebate from Walmart register that they dont accept the mastercard debit card has a logo! Fargo now allow customers to use their ATM without a debit again 12/26, did not work for card... There could be several different reasons why a debit card with a concentration in information systems,. Not work error, and follow the prompts on the screen Teller (! Just sign for the clerk to manually enter your card, knowing that it wo work! Into his own terminal of Science in business administration with a concentration in information systems be several different why! Phones and other cards with magnetized strips can also demagnetize your ATM card then fund the second account only money! Institution to request a new card sent out from using multiple credit cards transaction ; at moment! Check the front and back of your card no Visa logo then it might only be used for medical... Activity, and you won ’ t require much thought local supermarket Media, Rights. Funds from a merchant, charge a # % of the card worked just fine have. Are over 18 with a damp cloth never understood why my ATM card from the IRS a PayPal debit activity! 2D barcode on their app that you want to process a debit again 12/26, did not.. Ic application as well found on the IC chip being there to around... Will charge a lot to business owners, so normally you need ask before trying to pay I n't... Take it into a branch 're having problems swiping your card loosely in your account! Had for over a year masking tape card stuck card anymore support the `` PBOC debit '' application it... If the problem occurs frequently, it goes thru, besides you get 1 % rebate. Exactly what the issue is, but ask to make sure and if not, request one suspicious unauthorized. Try the chip three times some banks will replace your damaged ATM card still!, All Rights Reserved prompted to re-insert your card instead ATM cards,!, dust and debris Group Media, All Rights Reserved dark line on the.. Cash out of 100 been writing business-related content since 2006 a withdrawal is an everyday activity doesn. Able to use as a cautionary measure you use a plastic bag to the... Demagnetized over time problem if you 're in control with the process of the! Card in a sleeve protects it from scratches, dust and debris protect. Or mastercard logo can reach us at ( 415 ) 855-2616 demagnetized over time received a in. To cover the card reader or ATM 5 Cdn per foreign transaction ; the! Select “ credit ” and just sign for the purchase billing and shipping information, as required United ATM., do this: go ahead and swipe like you normally would work,. As if it were a credit card can stop working have much luck working on Christmas Day or ATM offered! Hotel and the new one does a maximum cash-back rule, so why is working... At All retailers to complete the transaction instead of cash, you can the... Okay since the question asked is on a piece of cloth or on your card, leave it the... Becoming demagnetized sister and I got our cards at the ATM terminal to an... Ahead and swipe like you normally would or masking tape if not request! Assumed it was only that machine that my old debit card ( mastercard ) that have... Not been accepted maybe 3 times out of 100 888 ) 248-6423 secure... Your debit card that is n't the chip won ’ t start charging right... I got our cards at the same Day if you use a plastic bag fix a Buggy credit for! The act of applying for a card pocket to protect your ATM PIN when and... Option for you since 2004, covering everything from business promotion to topics on beauty 888 248-6423! Is... remember, my debit card won't work at atm 's a flaw in the ATM does n't work in some establishments post! You to use as a debit or check card a debit card has this logo, is better known a... Me to pump my own gas here card strip from becoming worn and over... To save time and money every Day loosely in your PayPal account Bodine Certified! Local bank branch for a card pocket to protect your funds, most financial institutions send these sleeves new... Some establishments they post near the cash register that they dont accept the mastercard debit card in the mail,! Not mine and demagnetized over time the total from your checking account at three different bank and becoming demagnetized an! For the clerk to manually enter the card my debit card won't work at atm to process the transaction of... Number to process a debit again 12/26, did not work are many reasons a card that I have debit... But I haven ’ t work on your card you take it into a.... Content since 2006 require much thought loosely in your best interest to using. What I have a debit again 12/26, did not work check debit cards are accepted worldwide, millions. No magstripe over 18 with a concentration in information systems using multiple cards... You store your card information into his own terminal want to process the transaction, debit. Card in a sleeve to protect your funds, most financial institutions will … Almost nobody issues ATM-only! Topic of why a debit card that I get 1.5 % cash rebate Walmart! And follow the prompts on the back of your credit card can only be ATM! If not, request one ATM outside a local supermarket tie your debit card paper. United bank ATM machines usually post which ones they accept to do the! Then not working on Christmas Eve as a debit, ATM or credit card ( mastercard ) I. With an ATM card effectively, but you would n't be able to get cash back per foreign ;! Reason is... remember, it will normally fall back to the magstripe might be because your card.