I&#x27;ve had chip-and-signature on credit cards for years here. What changed this year was that the issuing banks shifted liability to the retailers, but only if the retailers don&#x27;t support at least chip-and-signature.<p>Meanwhile, in April one of my cards reissued and now does chip-and-PIN. I&#x27;ve been to Europe twice since then and enjoyed, for the first time, being able to use the automated ticket kiosks in train stations.