The credit card industry is currently in the midst of a massive change—Swapping the classic stripe and swipe, for a new, chip-enabled cards aimed at offering better card security. On October first, the major credit card networks shifted fraud liability to whichever side of the transaction hasn’t made an upgrade to new technology—the bank or the retailer. But not everyone has a chip-enabled card yet—And now the Federal Trade Commission warns that scammers are capitalizing on confusion. The FTC says scammers are sending fake emails that seem to be from a credit card issuer, asking for valuable personal information in order to send a new card. The FTC says consumers should only enter personal data online when they’ve typed in the web address themselves, and can see the site is secure.