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Other 196's:
Huh? There so so many protections with cards. All of my cards can very easily do a charge back and they’ll fight the charge with the retailer, not you. You only use a PIN for debit cards using a debit transaction because it’s a direct transfer, resulting in no card fees, very much the same as cash. No real credit cards have a PIN.
Edit: ah, I see they weren’t talking about American credit cards. My mistake! Interesting to learn that other countries do though.
Only in US. In many (most?) countries, credit cards do have PINs.
Ah, I misread that as American cards have PINs.