European merchants made the switch years — sometimes decades — ago.

Credit card companies announced three years ago that everyone should be ready by Oct. 1.

But only weeks before the target date, just how ready are local banks and merchants for the adoption of new “smart” credit and debit cards?

Read the Atlanta Journal-Constitution's report on the computer chip cards, which are supposed to help slow the wave of credit card info-hacking and fraud that has swept the country.

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Long lines at the Frontier Airlines ticketing counter back up into the walkway at Hartsfield-Jackson Atlanta International Airport. Friday, November 21, 2025 (Ben Hendren for the AJC)

Credit: Ben Hendren

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Tracy Woodard from InTown Cares (left) and Lauren Hopper from Mercy Care organization work with residents at the Copperton Street encampment in August 2024. 
(Miguel Martinez / AJC)

Credit: Miguel Martinez