PINs require you to remember them, and they aren’t actually required to solve the main fraud problem. The card companies decided Americans would spend less if p

PINs require you to remember them, and they aren’t actually required to solve the main fraud problem. The card companies decided Americans would spend less if presented with the hassle; who knows if they were right. Physical credit card theft is a negligible source of fraud, it’s all about card cloning, which EMV does a moderately good job of preventing.