Re: Card cloning? What's that?
As far as I know all debit cards here in the US have four digit PINs associated with them. Even one of my credit cards has a PIN. None of them as of yet has a chip however. My only guess is that since many people have more cards than dollars in their wallet the assumption is that those folks won't remember all 37 PINs and that would hinder their ability to spend money once the first 20 odd cards were maxed out and rejected. Granted the worst I've personally been behind in line only had to go through, and I shit you not, 8 cards before finding one that was accepted.