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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A man makes a phone call in front of a train during Tracks of Hope, an event hosted by Norfolk Southern in support of Hope Atlanta, in Forest Park, Thursday, Nov. 13, 2025. Norfolk Southern opened its executive vintage business train, typically reserved for company leadership and dignitaries, to the public in support of Hope Atlanta. (Abbey Cutrer/AJC)

Credit: abbey.cutrer@ajc.com

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Rose Scott signals as Closer Look goes on air in the WABE studio. An Atlanta resident left WABE a $3 million donation, a boost after WABE lost $1.9 million in annual funding from the Corporation of Public Broadcasting. (Ben Gray / AJC file)

Credit: Ben Gray