So....why are we not supposed to swipe it? What is the 'WARNING' here??
That some brick and mortar retailers don't have the chip reader installed on their Point of Purchase debit / credit card readers, which can lead to problems with using a debit / credit card. And those places who did spend the extra money to install chip readers in the debit / credit card readers are providing a bit more protection against fraud. Many people are doing online shopping this year, so they are at risk for exposing their debit / credit card information unless they use a third party payment system like PayPal.