• noredcandy@lemmy.world
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    19 days ago

    The US uses chip and signature, no joke, because the banks didn’t think people could remember another PIN.

    • Hawke@lemmy.world
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      19 days ago

      Even though the you already have to use the PIN at an ATM.

      No idea why there’s such a big functional difference between “credit” and “debit” cards.

      • PhobosAnomaly@feddit.uk
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        19 days ago

        I don’t think there is in terms of process, I think payment handlers just add a higher charge for processing credit card payments, which is why stingy retailers dislike them.

        I’m happy to be corrected though.

        • Hawke@lemmy.world
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          19 days ago

          The only time I’ve been prompted to enter a PIN is when using the same card as a debit card vs a credit card.