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Even as an October 1 deadline approaches to switch Americans over to credit cards embedded with chips, the vast majority still does not have the new cards and only some are using them as intended, a new Associated Press-GfK poll shows. (AP Photo/Matt Rourke)

Retailers with data breaches slow to adopt chip card readers

Experiencing a data breach doesn’t seem to be enough to scare about 43 percent of U.S. retailers into getting chip card readers in their store, a survey by CardHub found.

As of October 1, 2015, the liability for  a credit card data breach shifted from the credit card company to the retailer, giving businesses more of a reason to get customers to insert instead of swiping at the register. For most consumers, the change came in the mail before stores.

CardHub, a website that helps people get the best credit to fit their needs, found that around 40 percent of respondents received a chip-enabled credit card in the past six months, but around the same percentage of people said they didn’t even know if they have a chip-enabled card. Some 56 percent of respondents don’t care if a retailer has a chip-enabled card reader.

Of the retailers included in the survey, 42 percent have not installed chip card readers in their stores. Less than half of the stores for 24 percent of retailers have chip readers.

CardHub surveyed 1,000 individuals through Survey Monkey between Feb. 26 and 27. For the retailers, CardHub chose 50 large chains and five smaller merchants that experienced a data breach and reached out to them between Feb. 16 and March 19.