### Comment:
I meant bother with chip and pin. And not like ours do - I spent time with my consulting brethren in your neck of the woods, and they didn't have credit card rewards programs like ours at all. Maybe you've caught up, but I'm thinking of the CSR and thinks like that

### REPLY:
I think the general difference with CC comes from different cultural attitudes towards credit in both.  
  
 I can’t speak for a few years ago due to my age, but the last few years &amp; now rewards are cool

### END.