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The October anniversary of the liability shift has passed, and anniversaries are an excellent time to look back on progress…this is no exception. The U.S. EMV migration plan was set four years ago as a way to fight card fraud and to protect both consumers and merchants.

Back in the day, we had one choice when we wanted to purchase something, and that was cold, hard cash. However, a few decades ago, people began using credit cards for everyday purchases instead of for only big ticket items, such a

This week I worked with Gemalto, as part of Gemalto’s #ChipAwayAtFraud campaign. I was tasked with using my “chip” card when making a bunch of every day purchases like getting coffee and shopping. Gemalto, one of the world’s leaders in digital security, wanted a real-world take on the EMV card experience, which includes the security benefits EMV cards presents. You know EMV; it’s the “chip” credit card that, by now, you should have.

Here’s what I learned:

A significant portion of the retailers I f

As part of Gemalto’s #ChipAwayAtFraud campaign, I’m being tasked with numerous tasks, some tacky, some essential to living. Gemalto, one of the world’s leaders in digital security, wants a real-world take on the EMV card experience. Which includes the security benefits EMV cards presents. You know EMV; it’s the “chip” credit card that by now, you should have. EMV by the way stands for Euro/MasterCard/Visa. The Euro part essentially means that’s where the card was first deployed.

If you don’t have

Thinking of bringing a credit card with you on your travels? You can end up in a jam: You just treated your extended family to fine dining in France. Time to pay; your credit card is declined.

If you try to make a purchase overseas, your credit card company might think it’s fraudulent, since it would appear anomalous, relative to your usual, U.S. purchases.

So before you leave for your trip:

• Back up credit card data. It’s always important to have a backup of your card data, both online and in print

One difference between a credit card and a debit card is that if there’s an unauthorized charge on your credit card, you just get a little sting. It’s a hassle to straighten out. But no money is taken from you.

But if someone gets ahold of your debit card information, the second they use it, depending on the nature of the transaction, your bank account will be drained. And in some cases, you can kiss that money goodbye; you got scorched. More than ever, crooks are using others’ debit card data an