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- Yes, a credit card can have both Chip-and-Signature and Chip-and-PIN capability. Most cards issued in the U.S. are Chip-and-Signature, while some also have PIN functionality (and some cards still only have mag stripes). The credit card issuer determines the features of the card.moneytips.com/credit/credit-cards/applying-for-credit-card/chip-and-signature-ch…
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