Is the cloning of the chip actually necessary if the POS device is a swipe only unit? It is amazing how many retailers/vendors still do not accept chip. My current debit card is chip enabled, and works fine using the chip. However, it is now old enough that the mag stripe is worn off enough that the swipe only readers cannot read the information. I'm constantly being asked if I have another card to use. I always sarcastically ask if they have a different POS device to use that is modern with a chip reader.