OK folks. I'm getting more confused with the whole PIN thing for using a card as Chip & PIN. I'm going to be spending a good chunk of the Summer going around France and Italy by plane, train, automobile, Metro. Here's my thing:

A couple of years ago, I was told that an actual Chip & PIN card had a hard-coded PIN embedded in it. The "set your own" that are on our US cards isn't the same. All of my Credit Cards and my Debit Card all have 4-digit PINS that I set myself.

I know I can use them in the bancomats - I've used my Debit card over in Europe for a few years. BUT, what about those automated kiosks for tickets, gas, tolls???? Those places where "Sig" isn't possible???

And, to add to it - if I'm able to do "Tap to pay", will I be asked for a PIN sometimes? I've heard rumors about that.

Thanks for helping out an old woman with severe COVID brain!!!