As I posted earlier, in June I was told by a ticket agent at the train ticket window in Schipol Airport that she could not accept a credit card without a chip. Now, I admit, this is the first time a person has told me this in Europe, but she was adament. Even after I asked about swipe and sign. Had to pay cash for the tickets. If this had been a cafe and a waiter who just did not know how to do it, I would have waived it off. But, this is a person who must get offered American style credit cards many times each day. It causes me to be concerned that it is going to start becoming harder to use swipe and sign cards in Europe.