I've yet to have to put in a pin when I've used my chipped credit card in the US. In fact, I don't even know what the pins are on my credit card, just my debit/

I've yet to have to put in a pin when I've used my chipped credit card in the US. In fact, I don't even know what the pins are on my credit card, just my debit/atm card. Worse yet, not all the chip enabled readers have the chip part enabled. So you can stick your card in, wait, and then realize you have to swipe. Otherwise, you swipe, get the suprisingly aggressive BZZZRT sound, and then use the chip reader and wait at least 5 seconds while it authenticates. I'll time it at the local Target. It's slow.