I'm still kinda shocked that it took so long to get chipped credit / debit cards in the US, and the fact that credit cards still don't have pins... Most of the

I'm still kinda shocked that it took so long to get chipped credit / debit cards in the US, and the fact that credit cards still don't have pins... Most of the online transactions I do with my credit card in Europe require me to verify them via some approval app (often the bank's own app) before they're submitted. But I guess it's more profitable to just let US folks spend spend spend and rack up huge debt burdens. The interest is probably higher than whatever anti-fraud efforts cost them at the moment.