Sounds like credit cards need to come with some sort of "tampered with" mechanism covering the chip, sort of like scratch off to reveal numbers on gift cards.
1) Remove scratch off tape
2) Tamper with card
3) Replace scratch off tape
You can get scratch off tape from here: https://www.amazon.com/Security-Evident-Scratch-Stickers-Scr...
People tamper with giftcards this way too.