> I don't know about bank cards, but for the other two, here in the USA we've only recently started the wider adoption of "chip and pin". In the case of my cred

> I don't know about bank cards, but for the other two, here in the USA we've only recently started the wider adoption of "chip and pin". In the case of my credit card, I have it tied to my phone in such a way that (supposedly) my bank (or Visa?) checks that when I use my card, my phone is also nearby - if not, it flags for fraudulent usage. It doesn't require a pin (but most places read the chip); while my debit card does use the chip and pin (if I use it, which is rare for me nowadays). Doesn't this mean your card issuer has 24/7 access to your cell location? That's extremely invasive.