Originally Posted by
powerlifter
I found out my bank M&T bank all of their credit cards are chip and pin. There is no annual fee with the cards, and no foreign transaction fee. They have about 3 or 4 cards to choose from. I called to find out if they were chip &pin chip & signature the rep assured they were chip & pin and you chose the pin. YMMV.
The cards might be signature preferring, actually. From
https://www.mtb.com/personal/loanscr...card-faqs.aspx:
Do I need a PIN to use my card?
You may be asked to enter your PIN when using your new M&T Bank Visa Credit Card at a chip enabled merchant location. In other instances you may simply be asked to sign a receipt as you do today**. The merchant terminal will guide you through the transaction.
Basically, if it asks for a PIN at somewhere with a cashier (e.g. Walmart), it prefers PIN.