It’s October 1 – Do your credit and debit cards have smart chips in them? Are your local and national merchants ready to accept your cards? Do the merchants know how to accept your chip card? Your answer: Maybe? With today as the self-imposed deadline by credit card companies for U.S. adoption of EMV technology, many card issuers and merchants are finding themselves lagging behind. Many consumers are still waiting for their new chip cards to be issued by their banks and merchants are still trying to figure out how to operate their new payment terminals.