I cannot explain it but it is odd which stores I cannot use it at. Almost all the chain restaurants, coffee shops, and such, have it. No signature or pin, just the card, which I find just as insecure. I want to have to enter a pin else I am going to Apple pay if I can.

Now my grocery store, Publix, doesn't take the chip card but I don't mind swipe and pin. they also don't do Apple pay so I am out for that option.

So give me A/Pay, chip and pin, or forget it. I guess since I have not suffered an identify theft issue I am not totally dead set against retailers not up to date.