Security for your credit cards are changing drastically in 2016. However, that doesn’t mean identity frauds and credit card scams will diminish. By the end of 2016, 84% of credit cards will have a secure computer chip, according to Mercator Advisory Group. (Look for a replacement card in the mail soon, if you haven’t gotten one already.) The chip makes it harder for crooks to manufacture fake cards to use in stores. Trouble is, it won’t do much to stop them from using stolen card data online, says Identity Theft Resource Center chief executive Eva Velasquez.