While federal law protects you from fraud, it's still extremely inconvenient to have your credit card skimmed and then likely automatically cancelled by your ba

While federal law protects you from fraud, it's still extremely inconvenient to have your credit card skimmed and then likely automatically cancelled by your bank at an inconvenient time when someone tries to use it, and left without that credit card until the replacement shows up. Chip & Pin solves this particular issue fairly well. This is even more critical for debit cards being skimmed where it's actually a non-trivial process to get your money back.