Because many consumers don't see chip and pin as an upgrade (though contactless is nice). So it depends on the banks to decide whether it's worth it. With deb

Because many consumers don't see chip and pin as an upgrade (though contactless is nice). So it depends on the banks to decide whether it's worth it. With debit cards, the extra security is valuable. But with credit cards it isn't really too important to me because I can just reverse fraudulant charges. As for the experience of using each, it seems to depend a lot on the machines. I did not like using chip and pin in Europe because it seemed to take longer and required more interactions. With the magstrip I pull the card out, swipe it, put it away. I'm never waiting for anything. Sometimes I'd have to swipe it twice, but that didn't happen too often to me. But it seems like different people have very different experiences with these things. edit: this mostly applies to credit cards, which are much more common in the US than in Europe. But the lack of significant benefit for credit cards to use this technology could have resulted in momentum that slowed the adoptation of it for debit cards.