By Jon Delano

PITTSBURGH (KDKA)- Smart-chip enabled credit and debit cards are supposed to stop scammers from swiping information. Steve Casco, credit card expert, says it’s a pretty simple process.

“The idea is very simple. You want to have a card that is non-counterfeitable.”

The chip does that by creating a one-time transaction code. If that code is stolen, it won’t matter because it’s only good for one use. Unlike the old magnetic strip transactions, but scammers are getting credit for finding a new way to steal.

The problem is the crooks know millions of Americans are expecting a new chip-enabled card to show up in their mailbox. So, they are targeting people using their inbox, emailing links and claiming to be from a credit card company.

So, you click on the link it takes you to a website. And now we are entering in your personal data to ‘verify the information.’ But what you’re actually doing is willingly handing over your personal data to someone else,” said Heather Wagenhals, finance expert.

It’s prompted a warning from the Federal Trade Commission that says anybody should just bank on the fact any card issuer will not email or call for information.

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