Reclusive46 wrote:This is actually not correct regarding citi cards, although as far as frontline staff are concerned that's what they say. There card verification priority is Signature, then Online PIN. So if you are at automated terminal (That can run online) it is possible it will ask for the PIN.
Can you provide documentation where this is true in the USA? I have several cards with EMV chips, from CITI as well as BofA, and the CITI card provided a PIN to be used for ATMs and cash withdrawals. I've not seen anywhere documentation where this is true in the USA where it can be used as Chip and Pin for businesses (I know, they are few in numbers) that support it domestically. I didn't get ANY sort of PIN from my BofA accounts, presumably because I didn't ask for one. Are you saying that, if an American citizen gets a PIN on their CITI card, that it can be used in a foreign country as Chip and Pin vs Chip and Signature??
I ask this because I see you're based in the UK, and the rules may be different. I just don't know, I was advised that Chip and Pin was not available yet for use for cards issued in the USA.