The larger problem in the US
is mostly from retailers who haven't/won't update their POS terminals to accept the chipped cards OR they use chipped cards incorrectly. The ONLY US retailer I've run across which correctly uses my chipped debit card is Wal-Mart. Every other retailer fits into one or more of these three buckets:
- they have tape over the card slot with a handwritten sign to swipe the magnetic strip instead OR
- they accept the chipped card but if you hit the debit button instead of credit button, you are then instructed to REMOVE the card and swipe the magnetic strip instead OR
- you insert the chipped card and hit the credit button and are asked to SIGN rather than enter your PIN.
As much as I despise doing business with Wal-Mart, they at least did get the chipped card usage correct so I would rather shop there than a retailer who is too lazy/cheap/stupid to update their systems.