Come October, stores and restaurants must install new credit card readers that accept secure credit cards with smart chips, or the store will be held responsible for any fraud that occurs. U.S. card issuers are scrambling to send members new chip-enabled cards, but not all of them will work the same way.

Some will require customers to sign a receipt like today. Others will use a more secure PIN code, like at an ATM, but most banks are choosing convenience and familiarity over security.

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