> There are no US banks that implement Chip & PIN. Heck, it's nearly impossible to get a Chip & PIN capable card for travel if you have a US issuing bank.
Not entirely, but your last sentence is true. Some issuers do PIN credit cards. I have one from First Tech Federal Credit Union that uses PIN and touts it as a benefit. When I used it in Europe, it worked exactly as expected and prompted for my PIN just like in the States. There are a handful of smaller issuers that also do PIN primary (mostly credit unions but at least one Florida bank with a card catering to Cuban trade does) and a few more that have PINs but the PIN is secondary so it isn't asked for unless the terminal's configuration insists on it.
Not entirely, but your last sentence is true. Some issuers do PIN credit cards. I have one from First Tech Federal Credit Union that uses PIN and touts it as a benefit. When I used it in Europe, it worked exactly as expected and prompted for my PIN just like in the States. There are a handful of smaller issuers that also do PIN primary (mostly credit unions but at least one Florida bank with a card catering to Cuban trade does) and a few more that have PINs but the PIN is secondary so it isn't asked for unless the terminal's configuration insists on it.