If the chip on the credit card is scratched, you can't accept the transaction. According to the relevant public information, when the chip is damaged by scratches and cracks, it will affect the reading ability of the chip, which will lead to the failure of normal unrelated transactions. However, finding scratches and other damage on the chip is considered as a sign of credit card security problems, which will cause suspicion and review by banks or businesses and bring you inconvenience or loss.