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And your credit card, you have a 30-day buffer there as opposed to the funds being debited directly out of the account if you re frauded with the debit card. in london, security breaches have gone down 30% because of the chip and p.i.n. tell us about that, and whether we could see more of that here in the u.s. and how that protects us. yes. so the rest of the world, particularly europe, including canada, has adopted a technology known as emv, chip and p.i.n., so instead of a magnetic stripe, it s a chip that stores your information. the major card brands are driving adoption of chip and p.i.n., we re lagging behind the rest of the world. they re driving that adoption by shifting the liability to the retailers on a schedule starting in late 2015 and extending into 2017 for different types of card transactions. so they re incentivizing the ....

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