To me Chip cards are a much bigger issue for debit cards. I have fraud protection on my bank account, but it can still take the bank up to a month or more if they want before putting stolen money back in my account. Once everyone rolls out EMV-enabled ATM's and POS terminals someone can steal my magstripe data all they want, they won't be able to draw money from my checking account. Of course, this is why I use credit cards for 99% of my purchases, and I typically go into a branch if I need to withdraw money (assuming they are open), but it's a really annoying threat to have to be on the lookout for.