Originally Posted by
Michilander
Just a heads up on the M&T credit card. I got one and took it on my last trip to the UK where it kicked out a signature request every time I used it. Never once asked for the PIN. I did not have a chance to use it in an automated terminal, however.
Called M&T when I got back to ask why I was never asked for a PIN and got an agent who I don't think actually understood the problem. All she could say is that it depends on what type of terminal you put it into.
She was actually right. US cards default to chip & sig if it's available and only go to chip & pin as a backup. We have a card in Spain that does the same thing and it's really weird.