It's officially been one year since you started using chip cards instead of swiping

It's been a long year. At least, it feels that way if you spent it waiting to pay for things with your chip card. 
One year ago today, regulations surrounding liability for credit card fraud switched to encourage banks and stores to start using EMV (Europay, Mastercard, Visa) technology, also known as chip cards. 
Since the liability shift hit on Oct. 1, 2015, 33 percent of merchants have started accepting chip cards, Mastercard spokesperson for safety and security Beth Kitchener told