: Do banks automatically replace damaged chip cards? In an answer I wrote about credit card fallback, I said If your bank starts receiving lots of indications that your chip isn't working, they may simply just send you

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Do banks automatically replace damaged chip cards?
In an answer I wrote about credit card fallback, I said

If your bank starts receiving lots of indications that your chip isn't working, they may simply just send you a new card. After all, you're clearly more vulnerable to fraud now, and they don't like that.

But then I realized that I don't actually know if banks will automatically send you a new card, or if they just record the fallback, or if they simply ignore it.

Does anyone know if banks will actually do this? Is this something that a European bank (which has lots of EMV experience) might do but a US bank (which is new to the whole thing) might not? Or is the fallback indicator simply for the sake of the payment networks and irrelevant to the bank?

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