>I presume they did that for your convenience.  (Not anybody else's since they 
>wouldn't know the PIN.)  
However, being a "smart" card with a processor on it, you should be able to 
change your PIN at an ATM.  

Yes!
But, the PIN is supposed to be a secret.
Give me the chip-card, and have me come in to re-do my PIN would have made me 
feel more secure.

They didn't do that!
-
Too busy driving to stop for gas!

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