---
title: What You Need to Know About Chip-and-PIN Credit Cards
description: This is why your new credit card has a chip inside it.
authors:
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    url: https://money.com/author/turnercowles/
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    articles: 23
    covers:
      - Credit Cards
      - Career Advice
      - Housing
      - Identity Theft
      - Insurance
      - Investing
      - Retirement
      - Taxes
    former_staff: true
published: '2015-09-09T20:08:51.000Z'
modified: '2024-04-16T06:45:46.000Z'
section: Credit Cards
tags:
  - Chip and Pin
  - Credit
  - Credit Cards
  - EMV
word_count: 84
canonical: https://money.com/credit-card-chip-pin/
type: Article
source: structured-blocks
---

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![1280x720](https://img.money.com/2015/09/1280x720.jpg)

Remember the Target and Neiman Marcus [credit card hacks](https://money.com/bizarre-identity-theft/) that happened in 2013? The National Retail Federation does, and it decided to do something about it. Retailers have put their might behind pushes for new chip-and-pin, or EMV, credit cards, which contain a chip that creates a one-time code for a purchase to be approved. The makes it much harder to use counterfeit cards at a store—but it doesn't help much in terms of deterring online identity theft. Here's what you need to know.

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