CC fraud in America, contrary to popular European belief, is not a problem for American consumers. American consumers are not liable for fraudulent charges made with their card; resolving them is a simple matter of telling your CC company that the charge was fraudulent (the majority of the time, the CC company has already figured that out themselves).

Chip and Pin buys American consumers fuck-all; it is merchants and CC companies that benefit.

European consumers seem to want American consumers to have chip and pin more than American consumers want it for themselves. It is truly bizarre. Are you guys getting a "refer your friends" commission or something?

There are countless USA tourists who go to Europe with their non-chip-and-pin cards and then wonder why it doesn't work. And that must suck for your holidays. So let's try to reduce that.

Chip and PIN has nothing to do with Amex's consumer-friendly chargeback policies. C+P tries to prevent fraudulent transactions, charebacks give consumers over misbehaving merchants.