The reality is that the attempt to impose chip and pin in the USA, as of now, is a failure. How much it will move in the next few months before the deadline is problematic. However, and I've said this before, my concern is not whether the merchants accept chip and pin or chip and signature or even just continue to accept swipe and maybe sign. The problem and the genesis of this over 10,000 message thread has and should be whether our cards will be accepted everywhere. We do maintain zero liability and even if chip and pin had succeeded the way many here wanted, all it would mean is the counterfeiting of cards at pos terminals would have lessened; the result would have been probably a shift to much more online fraud. Apparently, if visa and the other networks commitments come to fruition, there will be far far fewe problems with using American cards either at personneled or unpersonneled merchants and kiosks throughout the rest of the world. That should be the issue and not the constant whining, no offense meant to anybody, about Walmart is not enforcing the security and so many merchants are not rushing down to implement emv or that restaurants will not be getting the mobile terminals to do chip and pin transactions. Sure, they might be preferable and increase security a tad but to me, that remains a non issue.