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" You probably have a wallet full of credit cards with chips at this point. Banks have been rolling them out like crazy and they&amp;#039;re supposed to be safer \u2014 as long as you use them the right way, that is. That&amp;#039;s why the fact that some retailers \u2014\u00A0including Bed Bath &amp;amp;amp; Beyond, Staples, Chick-fil-A, and Panera Bread \u2014\u00A0don&amp;#039;t have chip card readers up and running at all of their locations is a big concern. You see, if you swipe a chip card instead of inserting it into slot, the merchant is responsible for covering any fraudulent charges \u2014 not the bank. And some retailers aren&amp;#039;t in a financial position to cover major security breaches, like that corner store you picked up a gallon of milk from in a pinch. That\u00A0means\u00A0you get stuck covering the snafu, according to Adam\u00A0Levin, founder of Identity Theft 911 and\u00A0author of Swiped. However, retailers\u00A0claim\u00A0the\u00A0readers must be certified by credit card companies to make sure they work before using. Some have even been waiting up to\u00A0six months to get certified,\u00A0even though the new system was supposed to be fully implemented by October 2015. Either way,\u00A0if you approach a check-out without a chip insert, just pay with cash instead. Or if you do swipe, make sure you\u00A0monitor your account closely to watch for fraudulent charges. [via ABC7NY] More from Good Housekeeping: \u2022\u00A0Is Walmart Now a Better Deal Than Amazon Prime?\u2022\u00A0Your Costco Membership Fees Could Increase Soon\u2022\u00A0Don&amp;#039;t Ever Do This With Your Boarding Pass  "^^<http://www.w3.org/2001/XMLSchema#string>
<http://www.goodhousekeeping.com/life/money/news/a38530/dont-swipe-a-chip-credit-card/>