Like many Americans, you've probably received a new credit or debit card at some point in the last few months with a computer chip embedded.
These new "chip-and-PIN" or "chip-and-signature" cards are all part of a nationwide shift in the way we pay, with the goal of beefing up card security. And retailers are buzzing about it this week because they -- not credit card issuers -- will be on the hook for fraudulent charges starting October ...
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