It is past time for US debit and credit card issuers to convert to chip and pin technology.   which is the way Europeans pay for purchases.  Why did it take so long?  US issuers thought their cards were secure enough from hackers.  Tens of millions of stolen card information have proven them wrong.  Since PR is what one does and not what one says, card companies are guilty of bad PR for taking so long to protect consumers.  It is not that they didn’t know.  They were well aware of the increased security in the chip and pin process.  They didn’t act because they said it was too expensive to convert hundreds of millions of US cards.  They are doing it now, no matter the expense.  Information thefts at Target, The Home Depot, Michael’s and other stores were disastrous. They needn’t have happened if credit and debit information had been better secured.  Inertia is a poor PR and business strategy.  

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