Instead of educating customers of the risk of fraud, you will be charged if someone copies your chip in your card. Be aware of gas station pumps try your hardest to pay inside. I've been with Capital One for several years now and was very saddened to know that my information could be compromised so easily and that no one would do anything about it. I'm so lucky that at the time I had very minimal funds. Someone ended up with free Exxon gas and almost free Target shopping spree.