[rsynnott]

How would that happen? Chip and pin has been mandatory for years, as is 3dsecure.

[tlogan]

That is not going to help if:

- someone steals your card and PIN

- the merchant turns out to be dishonest (or some misunderstanding) and you want you money back

- you fall for fraud

- the merchant mistakenly charges you, causing an overdraft on your checking account