Home Depot Files Antitrust Lawsuit Against Visa, MasterCard http://www.nasdaq.com/article/home-depot-files-antitrust-lawsuit-against-visa-mastercard--update-20160615-00838 U.S. bank executives have said that they don't want to burden Americans with a PIN when they are using their credit cards at the check-out line. The banks collect higher merchant fees for signature credit-card transactions than PIN-based ones. "While chip-and-PIN authentication is proven to be more secure, it is less profitable for Visa, MasterCard, and their member banks and it provides a greater threat to their market dominance," the lawsuit claimed.