Ckendall is spot on. I suggest you look into getting a true chip-pin cc from either the State Department Federal Credit Union or the PenFed FCU. You can become eligible to join either CU by joining an approved affiliated group, such as the American Consumer Council. All of the CU and CC arrangements can be done via the net and faxes. Of course, I'm assuming you're a US citizen or permanent resident. Buona fortuna!