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S., when it comes to confirming who they are, a signature, instead of a PIN, will in most cases suffice.

That makes it tougher to churn out fake cards for future fraudulent purchases."Chip cards, independent of whether (they require a) signature or PIN or a biometric ... Because of that specific code, hacking into or copying a card will get a thief nowhere.

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S., many consumers lucky enough to have actually received their new credit cards are wondering what their PINs are. Though many countries overseas have preferred the punching in of a PIN to complete credit transactions, most of the new chip, or EMV, equipped credit cards being sent out to U. For example, more than 60% of Visa credit and debit card payments in the U. The bigger change is that consumers are switching from credit and debit cards with a magnetic stripe to those that utilize a chip to generate a unique code with every transaction.

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