Why do debit cards have a PIN if they just give you the option to bypass?

Question

(USA)

In: 4

Answer 1

Yea the PIN on US credit cards used in the US is worthless. We are still behind the times, and asked for a signature (which is utterly worthless as far as security goes). It’s basically because US credit card processing companies have not been forced to update their systems. I cringe every time I am still asked to swipe my card (by far riskiest way to pay) because vendor will say their chip reader and tap to pay don’t work.