Jumping Through Hoops for a Chip & Pin Card

After lots of research, I finally found a U.S. financial institution that offers a true chip and pin credit card. I didn’t choose Barclaycard because of all the stories of bad customer service, especially when overseas. Instead I went with UNFCU, United Nations Federal Credit Union because their web site actually advertises it as a true chip and pin, the reviews have been favorable, there are no foreign transaction fees, it’s a credit union and not a bank, and applying benefits United Nations programs. Choosing them was the easy part. Now we have lots of hoops to jump through.

In order to get a credit card through UNFCU, you must be a member of the United Nations or a member of the United Nations Association of the United States of America, UNA-USA. To join the UNA-USA, you must make a tax deductible donation of $40 annually for a regular membership. Then we need to include the email of the membership confirmation with a 4-page application to join the UNFCU along with copies of ID and a utility bill. Oh, and we also must open a savings account with a minimum of $50. After we’re “members,” then we can apply for the credit card.

All this just to get a true chip and pin card.