I keep hearing this, but I got a new Capital One card in the mail literally 2 weeks ago, and still no chip. Same with my Schwab card which is < a year old. I do

I keep hearing this, but I got a new Capital One card in the mail literally 2 weeks ago, and still no chip. Same with my Schwab card which is < a year old. I don't get it. (I live in New York FWIW)