A lot of these items are about protecting your own payment cards which are kind of pointless. You are not liable for credit card fraud. It can be a bit of a pai

A lot of these items are about protecting your own payment cards which are kind of pointless. You are not liable for credit card fraud. It can be a bit of a pain to replace a card but getting rid of fraudulent charges is now as easy as a phone call. I'd rather have to make a single phone call every few years to dispute a fraudulent charge then go through all this BS to use my cards. That said, chip and PIN is great and is coming to the US in 2015.