08-29-2018, 04:08 PM
I don't recall every having to enter a PIN when I used a chipped card for a credit purchase. Some stores still require a signature though. I may be wrong, but I think the PIN is generally only used on debit purchases which immediately take funds from your account, unlike credit purchases. An added benefit of a credit purchase over a debit purchase is the ability to dispute the charge, get purchase protection and sometimes even extended warranty.
Traveling in Canada I've noticed that most places only accept chipped cards and require a pre-authorization purchase transaction before proceeding with the sale which is a bit of a pain. Plus the hassle with MC and Visa being used in a foreign country (they insist on trying to make sure you know you're not in the USA when making a purchase), has me reverting to just use cash when I cross the border. Like I always tried telling them, yeah I know I'm in a foreign country and that probably explains the border guards.
Traveling in Canada I've noticed that most places only accept chipped cards and require a pre-authorization purchase transaction before proceeding with the sale which is a bit of a pain. Plus the hassle with MC and Visa being used in a foreign country (they insist on trying to make sure you know you're not in the USA when making a purchase), has me reverting to just use cash when I cross the border. Like I always tried telling them, yeah I know I'm in a foreign country and that probably explains the border guards.