"Adam H. Kerman" wrote in
:

I have no idea if a PIN would be required if you swiped it at a
US retail terminal.

Not usually - they either require a signature (which in my experience they
rarely check against the one on the card), or commonly nothing at all up to
around USD 25.

However, I was in the US last week, presented my UK credit card in a
restaurant and the cashier was mystified by the message that came up on his
terminal: 'Use chip reader'. He claimed not to have a chip reader, and so
far as I could see he was right. We tried another card with the same
result, and in the end I paid cash.

Peter

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|| Peter CS ~ Epsom ~ UK | pjcs02 [at] gmail.com |