Editor's note: This is a transcript of the audio file.

You've got your passport, foreign currency and universal plug adapters, but about your credit card? Is it ready for overseas travel? I'm Kristin Arnold with your Bankrate.com Personal Finance Minute.

Here in the U.S., we're not too familiar with EMV cards or rather, integrated circuit cards. EMV stands for Europay, MasterCard and Visa ... and is used overseas to ensure better security. More than 1.34 million EMV cards dot the globe, but the U.S. rollout of these cards has been slow.

But some U.S. travelers have discovered that merchants in Europe and Asia don't always accept their chipless cards and that some mag-strip cards also have failed in some overseas ticket kiosks and other unmanned machines.

However, some U.S. banks are catching up and rolling out EMV-enabled credit cards. Chase issues JP Morgan Palladium credit cards with both the standard U.S. magnetic strip and chip technology so cardholders can use the card domestically and internationally.

Most of the cards have only been handed out to well-heeled customers who travel abroad frequently. To find out if your credit card company issues EMV chip technology, just visit Bankrate.com. I'm Kristin Arnold.