Banks have been sending millions of Americans credit and debit cards equipped with computer chips. Chip cards contain an embedded computer chip that is read by stores’ point-of-sale terminals. The conversion process from older magnetic stripe cards to chip cards has sped up in recent months because of an Oct. 1 deadline. Some analysts say chip cards take a few seconds longer to read than magnetic stripes, and some customers and store clerks will be unfamiliar with how to use them. There are 3.4 billion chip cards in use worldwide, primarily in 80 countries, according to the EMV Connection website.”]