I haven't been to Croatia (maybe this year!), but I've had a Visa chip & signature card for a couple years now and have used it extensively in Europe.

It works just like the old non-chip credit card basically. The chip reader machine will accept it, but will still spit out a receipt requiring your signature.

I actually find it easier to use my bank card at a local bank/ATM and use cash more often, since smaller merchants sometimes get confused with the chip & signature.

Not sure if there's anything different about Croatia, but hope that helps a little.