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Re:Apple Pay on pace to account for 10% of global card trans... by rconti on Tuesday February 11, 2020 @07:32PM (#22304544)
Also, overseas with a US CC you almost always have to sign, even if you have a PIN on the card, because the card are set to prefer signature (sometimes you can get away with a PIN; eg, in a parking garage with no cashier).

However, with Apple (okay, now Garmin) Pay, I never have to sign.

Re:Apple Pay on pace to account for 10% of global card trans... by hakfoo on Tuesday February 11, 2020 @11:30PM (#22305797)
I went to the UK last year and made great efforts to contact Citibank in advance to get a PIN added to my card.

When it finally arrived in the mail (a week after request, literally hours before my flight), it turns out it's not even a Chip-and-PIN PIN, it's for cash advances. I still did a lot of signing reciepts and waiting for poor underpaid M&S cashiers to sort things out.