Raise your hand if your chip credit card is the bane of your existence. Sure, they're designed to protect your information, but all you notice is them causing confusion and chaos in the checkout line. Figuring out if you should insert or swipe your card (even though you shouldn't!) is a daily struggle. And now there's another thing to watch out for: additional charges.

ABC12 reported that some business owners in Michigan are charging customers every time they insert their card chip in order help lessen the financial burden of converting to modern technology. "All the merchants are supposed to become compatible sometime in October. If you're not compatible you're responsible for any fraudulent charges on a customer's credit card," Flint business owner, Roger Foutch explained. "To convert my old system into a chip reader, you're talking thousands in software."

Instead of it coming out of the proprietor's pocket, some owners like Foutch looked to a company called Zero Fee Solutions to help them make the switch. They furnish the equipment and then set it up so that customers are charged a small service fee of 3.75% on each bill when they use their chip card. As a result, Foutch expects to save $19,000 this year that will go towards the cost of the new system. Customers on the other hand will lose anywhere from a couple of cents to a couple of dollars, depending on the bill.

While we're not sure if this is happening nation wide, it is a good reminder to check your receipt after every transaction. If you don't mind, swipe away, but for those who don't want to give in, Foutch points out customers can simple pay with cash instead. Just make sure you go to your bank's ATM because the fee to use one that's not yours is way more than a couple of cents.

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[h/t ABC12

Lauren Smith McDonough Senior Editor Lauren is a senior editor at Hearst.

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