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    The expectation is that the new chip will help reduce fraud. issued credit cards instead use what is known as "chip-and signature" technology.

    Teaser Rates Many cards offer you initial, low interest rates which can be attractive to people who carry a balance. If you are tempted to apply for a card that offers such a teaser rate, read the fine print so that you know how much the rate could rise by when the introductory period is over.Unfortunately, even true chip-and-pin transactions can't guard against other types of credit card fraud.According to one industry forecast, online transaction fraud is expected to double over the next three years.Instead of swiping your card through a card reader at the cashier (so it can read the data on the card’s magnetic stripe), you now insert it until the transaction is complete. had been behind most other nations in card-payment technology.The card reader then communicates with the chip inside your card using cryptographic algorithms to authenticate the card. Most other countries have long used chip-and-pin technology, requiring the user to insert the credit card into a reader, and then enter a personal Identification number.

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