I'm a struggling noob trying to provide a better quality of life just like everybody.i read on here how buying 101 dumps with a pin is mostly a scam and 201s are the way to go but,when I look at the Msrs with emv reader/writer they need to be used with api command and honestly that's way above my head.can the chip be bypassed and still be used to cashout? Also are 101 dumps with pins really that difficult to get?