Quoting Lionel Hutz: "There's the truth (nods up and down with a smile) and there's the TRUTH (stern face swinging head as a no-no)"

In the eyes of VISA, the rail operator in the Netherlands lets VISA earn millions from transaction fees from 99% of the chipped card Europeans who use already a chip card. They could care less about the 1% anomaly of stone-age Flintstones Americans who still uses ancient fifty year old mag-stripe technology.

Pretty much all you'll get if you complain to VISA is a standard form letter that states "we'll take action" or "it's the US banks fault for not issuing them" or whatever, but in reality they'll do nothing.

Or you can file a class action lawsuit against VISA, MC, AMEX and every US financial institution out there for not issuing chipped cards on a per request basis. It's getting to be problematic year after year and things are running too slow. Anyone who wants a chipped card (i.e.: those who travel alot) should be able to put in a request to upgrade their existing cards to one that has a chip instead of applying for a totally new one.