TD Credit Cards with chip provide an added level of security through the use of a Personal Identification Number (PIN). The embedded computer chip stores information in a secure, encrypted format, making it more difficult for unauthorized users to copy or access the information on the Card. Cardholders will be required to enter their PIN when they make a transaction at a chip terminal (and no signature will be required), helping protect the Card from unauthorized use. Chip/PIN is part of a worldwide transition in most countries from magnetic stripe payment cards.
The chip in your TD Credit Card will also allow you to use, a “contactless” payment system that’s faster and more convenient than paying with cash. You can charge purchases directly to your TD Credit Card, simply by waving your Card in front of the contactless terminal that you'll start to see more often at merchants.
Chip technology requires you to use a PIN at ATMs and stores with chip terminals, the same way you do with your debit card. Your PIN is the key to using your new Card. It will become extremely important to remember your PIN, as more merchants begin to replace their magnetic stripe point-of-sale terminals with terminals enabled to process chip & PIN Cards – and to keep your PIN secure and safe just like you do your Card!
See below for additional information about the new chip-enhanced TD Credit Cards.
- Chip Cards have an embedded microchip that stores information in a secure, encrypted format.
- The microchip makes it more difficult for unauthorized users to copy or access the information on the Card.
- The chip in the Card requires you to enter your Personal Identification Number (PIN) when you make a Credit Card transaction at stores with chip technology. So, if your chip Card is lost or stolen, it can’t be used by unauthorized users (who don’t know your PIN) at stores with chip-enabled terminals.
- Do not let anyone else know or use your PIN.
- Never write it down.
- Use your hand or body to shield the keypad when you enter your PIN.
- Make transactions when and where you feel secure. If in doubt, don’t make the transaction.
- When a transaction is complete, put your Card back in your wallet and take your transaction record.
- Your TD Credit Card transactions will be completed faster because in most cases you’ll no longer need to sign a transaction slip at stores with chip-enabled terminals.
- The chip in the Card requires you to enter your PIN when you make a Credit Card transaction at stores with chip technology. So, if your Card is lost or stolen, it can’t be used by unauthorized users (who don’t know your PIN) at stores with chip-enabled terminals.
- When making a purchase at a store with a chip-enabled terminal, you’ll be asked to enter your PIN into a keypad instead of signing a receipt.
- No swiping: your TD Credit Card will be inserted into the terminal and left there until the transaction is complete.
- The process is similar to making a purchase with a debit card. It’s easy! Just follow the prompts.
- Insert your TD Credit Card into the store’s chip-enabled terminal and leave it there for the length of the transaction.
- The total purchase amount will be displayed on the keypad screen.
- Enter your PIN on the keypad, making sure that no one else can see it.
- The screen will show that your transaction has been processed.
- Remove your Card from the terminal.
- Take your Card and receipt.
- If you are at a store with a chip-enabled terminal, it will prompt you to insert your TD Credit Card or the store merchant may provide direction.
- If you are making a purchase at a store without a chip-enabled terminal, you can still make purchases with your new TD Credit Card. In addition to a chip, it will also have a secure magnetic stripe like your old Card. So if you are in a store that doesn’t have a chip terminal, you can make transactions as you do now, by signing a receipt.
- Only you should know your PIN. If a merchant asks you for your PIN do not provide it to them. Ask them to pass the terminal to you so you can enter the PIN.
Places to use chip
- Chip & PIN technology is already in use worldwide and has been proven to reduce fraud.
- Your TD Credit Card will work outside Canada. You will be asked to sign a receipt in countries that do not have chip-enabled terminals. In countries with chip-enabled terminals, you will be asked to key in your PIN.
Authorized Users on your TD Credit Card Account
- Authorized Users on your TD Credit Card Account will receive their own TD Credit Card number with chip & PIN technology and they will have their own unique PINs.
- Statements will show transactions broken out by which Card (yours or an Authorized User Card) performed the transaction.
PIN Assignment & Changes
Or simply take your TD Credit Card to any TD Canada Trust branch and ask a Customer Service Representative to help you assign a new PIN to your Card.
- If you forget your PIN, your TD Credit Card transaction may be declined.
- Select a PIN that’s easy for you to remember but difficult for others to guess.
- If you need to change your PIN, simply:
- Insert your TD Credit Card into any Green Machine ATM;
- Select your current PIN;
- Enter “Change PIN” from the main menu and follow the prompts.
- Online and telephone purchases will not require your PIN. You will pay for these types of purchases as you do now.
- Never give out your PIN over the phone, Internet or mail. No one but you knows your PIN – not even TD Canada Trust. Make sure you safe-guard it at all times.
Magnetic Stripe Cards
- Your new TD Credit Card with a chip will also have a secure magnetic stripe like your old Card. So if you are in a store that doesn’t have a chip-enabled terminal, you can make transactions as you do now, by signing a receipt.
- Continue to sign the back of your TD Credit Card with a chip. You still will be asked to sign for purchases at terminals that are non-chip.
- If it is difficult for you to use a PIN, please call TD Credit Cards Customer Service at 1-800-983-8472 and find out how we can help.
- For other information, call TD Canada Trust at 1-888-419-5655 (1-888-820-5450 for service in French).
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