Originally Posted by
RealHJ
...
*(US is practically the only country not to require 3D Secure for online CC transactions by law, and is truly the only country in the world not to use chip-and-PIN for all CC transactions - apparently Americans can't remember a 4 digit PIN, or so appears based on the inaction by American banks.)
It's not that we can't remember a PIN. It's just that 1234 is already spoken for.