We don't have pins on our chip cards and as far as I'm aware, no bank is issuing CCs with pins with or without a chip. Debit cards use PINs, but bring a host of other liability problems to the user, and almost universally lack the rewards programs which consumers with good credit take advantage of (because hey, I get 2-3% towards travel expenses while paying the same).

> We don't have pins on our chip cards

That seems to be true, what I can't figure out is why.

Because the fees on signature transactions are higher.

Are you sure? The only information I can find that agrees with you is about debit cards, where PIN means it uses a different payment network. Credit PIN uses the same network as credit signature, so it seems unlikely the fees would be different.