I had a similar experience, but a clerk at a gas station wiped the chip edge of the card down and it worked on reinsertion. No idea how not really visible dirty

I had a similar experience, but a clerk at a gas station wiped the chip edge of the card down and it worked on reinsertion. No idea how not really visible dirty (maybe from my very old wallet) was contributing to chip read failures but I have a much higher success rate after copying this fix.