CLEVELAND – The lessons of the past have influenced the future as Target has added another layer of security to its store-issued credit cards, Cleveland Plain News Dealer reports. The discount retailer has become the first big credit card issuer to send customers new cards with a computer chip and PINs.

In 2013, Target experienced a major security breach that compromised customer data. This week, the store starting sending notices to existing credit card customers that new MasterCard cards would be in the mail.

The change comes after the FBI issued a warning earlier this week that consumers using an EMV card at a POS terminal should also use a PIN instead of a signature to verify the transaction. However, many banks and financial institutions are reluctant to convert cards to PINs because of the cost and because they claim customers are resistant to yet another PIN number.

From merchants to banks to consumers, everyone is adjusting to the change to EMV computer chip cards. These cards are more secure because computer chips can’t be copied, but the danger lies in the fact that stolen transaction information could be used to manufacture a counterfeit magnetic stripe card—and used at retailers without chip-reading terminals.

For those with Target credit cards, PINs will be required when the card is used to make a purchase in a Target store. As of now, it’s not certain whether users will need a PIN when paying for merchandise at other locations.

For more about EMV and convenience stores, read “Half Covered,” from NACS Magazine.