A computer chip is seen on a newly-issued credit card in this photo illustration taken in Encinitas, California September 28, 2015. In an effort to reduce counterfeit and credit card fraud more than 200 million payment cards have been issued with embedded computer chips in the U.S., ahead of a Oct. 1 deadline for the switch to such cards, according to the Smart Card Alliance. Credit card companies have set the October deadline which will require U.S. consumers to carry a new kind of card and retailers across the nation to upgrade payment terminals. REUTERS/Mike Blake