The cracked chip is not due to wear and tear. It's because you sat on it. If you have cards in your wallet, don't sit on it.

Step 2, find a woman who carries a handbag. This can be a friend or a relative. Ask to see their IC and credit card. Compare their state to your own. You'd find their's are in almost pristine condition. As if they were just issued yesterday. Although they've been carrying those cards around with them all the time for the past 10 years, they still look like new. That is how you take care of your cards.