Who needs an EMV credit card

By Marcie Geffner - Bankrate

In the year since the first major issuer debuted an EMV credit card for U.S. consumers, a handful of national banks and credit unions have rolled out their own versions. These credit cards, outfitted with microchips for better security and widely used abroad, aren't exactly taking the country by storm.

But the spate of new offerings raises interesting questions for those who have lived EMV-free so far: Who should get an EMV credit card, and how would someone get one?

More than 1.34 billion EMV cards dot the globe, according to EMVCo, the U.K.-based, industry-owned organization that manages the EMV chip standard. (EMV is an acronym for Europay, MasterCard and Visa -- the developers of the standard.) But the U.S. rollout of chip cards has been slow; issuers mostly have offered cards with a magnetic strip.

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