Chip Technology

Get big protection for your iTHINK Financial cards in a tiny chip!

iTHINK Financial Visa Credit Cards come with built-in chip technology. This gives you greater fraud protection when you use your card at a chip-activated terminal. Your card is not only more secure – it’s also easy to use. Here’s what chip technology provides our cardholders:

Enhanced fraud protection.
When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.


Global acceptance.
More merchants are accepting chip transactions every day. Whether you check out using chip technology or swipe your card, you can pay with confidence wherever Visa credit cards are accepted.


Easy to use.
Simply swipe your card like you've always done. However, if a chip-activated terminal is available insert your card instead and follow the prompts.

No matter how you pay, you‘re protected against unauthorized use with Visa‘s Zero Liability Policy.

You can continue to use your chip card online and over the phone as well.

How to use your chip card

If a chip-activated terminal is available, follow these easy steps:

  1. Insert the chip end of your card into the terminal with the chip facing up.
  2. Keep your card in the terminal and follow the prompts.
  3. Remove your card when prompted and take your receipt.

If a merchant is not yet chip-activated, you can still swipe your card to pay.

Apply for a Credit Card Get a Debit Card

FAQS

Q. What is a chip card?
A: iTHINK Financial Visa Credit Cards now feature chip technology. You’ll enjoy global acceptance plus an enhanced level of security.

Q. How does chip technology protect my information?
A: Whenever you use your card at a chip-activated terminal the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

Q. Where can I use a chip card?
A: You can use your card at millions of places that accept Visa credit cards, at home and around the world.

Q. Can I still swipe my card to pay?
A: Yes. If a merchant is not yet chip-activated, you can continue to swipe your card.

Q. Will I have to pay any fees to use a chip card?
A. No. There are no additional fees to use a chip card.

Featured Blogs

Credit Union Business Banking vs Traditional Banks: 7 Advantages for Small Business Owners

Aug 01, 2025

Learn 7 key advantages of credit union business banking over traditional banks for small business owners with lower fees and better rates. Learn more.

Read Post

7 Reasons to Open a Savings Account Today | iTHINK Financial

Jul 01, 2025

Discover 7 key benefits of opening a savings account to build emergency funds, earn competitive rates, and secure your financial future. Get started today.

Read Post

Understanding Commercial Loan Options | iTHINK Financial

Jun 01, 2025

Discover flexible commercial loan options to fuel your business growth with term loans, credit lines, and SBA financing from iTHINK Financial. Learn more today.

Read Post
SHARE