--- description: Today's deadline for EMV chips is really a soft target title: 5 Potential Problems With New Chip-and-PIN Credit Cards image: https://static.time.com/v3/assets/bltea6093859af6183b/bltcce015e61dd3042c/698866633c1639d6e045a052/credit-card-reader.jpg?branch=production&width=3840&quality=75&auto=webp&crop=16:9 ---  * [Business](/section/business/) ## Business Update your preferences in [Account Settings](/account/preferences/) Close # 5 Potential Problems With New Chip-and-PIN Credit Cards by [Kristin Wong / NBC News](/author/nbc-news/) ## Kristin Wong / NBC News Update your preferences in [Account Settings](/account/preferences/) Close Oct 1, 2015 2:09 PM CUT  Person holding chip and pin machine Person holding chip and pin machineGetty Images by [Kristin Wong / NBC News](/author/nbc-news/) ## Kristin Wong / NBC News Update your preferences in [Account Settings](/account/preferences/) Close Oct 1, 2015 2:09 PM CUT This is the day when credit cards are supposed to change forever, thanks to a small embedded computer chip that will make many transactions more secure. But Thursday’s “deadline” for merchants to support the new EMV technology — or face the consequences if fraud occurs — is really a soft target, and consumers are unlikely to notice any dramatic changes or encounter difficulties as they make their shopping rounds. The biggest change is behavioral. Instead of swiping a chip credit card, customers must now insert the end of the card with the chip into a card reader and then, after waiting several… [Read the rest of the story from our partners at NBC News](http://www.nbcnews.com/business/consumer/chips-dips-tips-5-potential-problems-new-credit-cards-n436511?cid=par-time-article%5F20151001 "undefined") ```json [{"@context":"https://schema.org","@type":"NewsArticle","@id":"https://time.com/4057473/credit-card-emv-chip-and-pin/","mainEntityOfPage":{"@type":"WebPage","@id":"https://time.com/4057473/credit-card-emv-chip-and-pin/"},"headline":"5 Potential Problems With New Chip-and-PIN Credit Cards","datePublished":"2015-10-01T14:09:19.000Z","dateModified":"2026-02-22T11:26:27.803Z","description":"Today's deadline for EMV chips is really a soft target","url":"https://time.com/4057473/credit-card-emv-chip-and-pin/","keywords":["Money"],"thumbnailUrl":"https://static.time.com/v3/assets/bltea6093859af6183b/bltcce015e61dd3042c/698866633c1639d6e045a052/credit-card-reader.jpg?branch=production&width=1200&quality=75&auto=webp&crop=1200:675&height=675","author":[{"@type":"Person","name":"Kristin Wong / NBC News"}],"articleSection":"Business","image":[{"@type":"ImageObject","url":"https://static.time.com/v3/assets/bltea6093859af6183b/bltcce015e61dd3042c/698866633c1639d6e045a052/credit-card-reader.jpg?branch=production&width=1200&quality=75&auto=webp&crop=1200:675&height=675","width":1200,"height":675,"headline":"credit card reader","caption":"credit card reader","creditText":"Getty Images","representativeOfPage":true}],"publisher":{"@type":"Organization","name":"Time","url":"https://time.com/","logo":{"@type":"ImageObject","url":"https://time.com/images/logo.png","width":528,"height":156},"foundingDate":"March 3, 1923","sameAs":["https://www.facebook.com/time","https://www.instagram.com/time/?hl=en","https://twitter.com/time","https://www.pinterest.com/timemagazine"]}},{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"/section/business/","name":"Business"}},{"@type":"ListItem","position":2,"item":{"@id":"https://time.com/4057473/credit-card-emv-chip-and-pin/","name":"5 Potential Problems With New Chip-and-PIN Credit Cards"}}]}] ```