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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The cotton jassid, an invasive insect native to India, is spreading in the state, posing a threat to multiple crops. The tiny green bugs can be distinguished by the single dark spots they have on each wing.(Courtesy of University of Georgia Extension Service)

Credit: Courtesy of University of Georgia Extension Service

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An aerial view captures a large area under construction for a new data center campus on Thursday, May 29, 2025. Developed by QTS, the data center campus near Fayetteville is one of the largest under construction in Georgia. (Miguel Martinez/AJC)

Credit: Miguel Martinez-Jimenez