Skip to main content

EMV Chip Enabled Credit Cards

Frequently Asked Questions

Why is my credit card a chip card?

The chip card is more secure than the magnetic stripe card. Chip cards add an additional layer of security to the precautions that are already put in place to safeguard your money.

What are the benefits of the EMV?

The biggest benefit of the EMV chip card is the reduction of in-store card fraud that results in counterfeit, lost, and stolen cards. Each time you use your chip card, it generates a new code that is unique to that particular transaction. This makes it harder to counterfeit a card or use it fraudulently for in-store purchases.

Will chip cards prevent data breaches?

While chip cards won’t prevent the type of large-scale data breaches that have hit some merchants, they do make it extremely difficult to produce counterfeit cards from that stolen data.

What information is on the chip?

The chip contains information pertaining to your individual account and the card expiration date. It also generates a unique code for every transaction when used with a chip-enables terminal at the point-of-sale.

Can a chip be used anywhere?

Yes. Chip cards can be used anywhere Visa is accepted in the US and around the world. If a merchant has a chip-enabled card terminal, you will insert your card during the transaction. In the US, you will still be able to “swipe” your card to make a payment if a merchant has a regular terminal, just as you do today.

Can a chip card be used to make purchases online?

Yes. There is no change to this process.

Can chip cards be used at an ATM?

Yes. Your card will have both a chip and a magnetic stripe to accommodate ATMs that are either EMV-enabled or not.

What happens if my chip card is lost or stolen?

If you happen to lose your credit card, give us a call at 800.434.7300 and we’ll close down your old one and help you get another right away.

Have more questions?

Give us a call at 800.434.7300 or email us at

Credit Card Overview