What is your definition of full chip implementation? There are a few emv compliant cards being issued in the USA today with no annual fee and no foreign transaction fee. Do you mean cards which have pin as the primary card verification method (cvm). In pure simple English, it ain't gonna happen. The banks have made it pretty clear that they consider chip and signature good enough...and frankly they are correct. As far as using tfl vending machines in London and the national rail machines at the main line stations, you are all set. None of them require pins. As it stands now, there will be a few "oddball" so to speak banks trying to implement pins but the chances ate, although one can't say for sure, since almost no merchants really want to touch pins these cards are more likely to revert to signature priority rather than have the large banks implement pin priority here. That train has long ago left the station.