Is it a coincidence that CNBC Fast Money today was talking about these smart cards, or is it because we were just more in tune with it that we heard what they had to say? Who knows. Regardless, according to Fast Money, Visa and MasterCard are striving to make the chip-and-PIN credit cards a standard in the US by 2015, with "early-bird" merchant incentives of adopted by 2013. Interesting.