When I visited Kentucky a couple of years ago, every restaurant still took my card and presented a signature slip. Just stone age. They even had chip terminals -- they inserted rather than swiped -- but no pin. Just a paper slip, and I had to watch my server walk away with my card.

Everyone in Canada brings a terminal to the table, you tap or do the pin, and my CC never leaves my hands.

And yeah - the CVC is just 3 more digits not captured on an imprint/swipe. Originally it was supposed to never be recorded, and only used during online validation. But that fell apart as the online/offline line blurred to invisibility. My