A few years ago, the Target Visa card had actually pioneered a move toward chipped credit cards. My Target card was the only chipped credit card I had, though, and AFAIK even my local Target stores were never equipped with chip-reading card readers. When my card expired, the replacement didn't have a chip.
It bothers me very much to realize that even though there was nothing I reasonably could have done to protect myself (except avoid credit cards entirely), this will ultimately be my problem to deal with. Not Target's problem. Not really. Not in the same way that it's mine.
I'm expected to "take... steps ... to protect [myself] against potential misuse of [my] credit and debit information." [1]
I realize that this is just the way the system works, but why does it work that way? The credit card system, instead of making the investments necessary to really secure credit card transactions, has externalized much of the tricky fraud-detection work onto the card users.
[1] https://corporate.target.com/discover/article/Important-Noti...