Between my wife and I there exists 8 distinct credit cards...no recurring balances but many cards...ALL have been converted to chip cards and ZERO are chip/PIN....all are chip/sig

Kinda half of what was needed....

I should note they have PIN's assigned to them but that is just for cash advances not routine transactions <img src="http://www.traveltalkonline.com/forums/images/graemlins/duh.gif" alt="" />