been using my MP card in the UK for the last 4 months. Firstly, the fact that US CC companies didn't go to chip & pin boggles the mind and makes using my credit card here a PITA, but thats kind of a discussion for another day/forum. The issue I'm now having with my MP card is that the chip is literally falling off the card. Unlike my other 3 or 4 chip cards, the MP card has the holographic thing immediately under the chip, and it seems really flimsy. All my other cards have plastic under the chip and are a lot more solid, so I'm assuming its not a coincidence. seems like a pretty major design flaw if after only 4-5 months of regular chip use its already falling out.