My understanding is that it depends very much on the card. Certain ones can be done more or less with just the chip, others are much more involved, and others c

My understanding is that it depends very much on the card. Certain ones can be done more or less with just the chip, others are much more involved, and others can't be done at all. From my brief research, there is a lot of technological variation inside credit cards, even if they mostly all look the same on the surface level.