Who Can Vote? - A News21 2012 National ProjectThe database shows 207 cases of other types of fraud for every case of voter impersonation.
So people are already committing fraud with elections. Maybe laws that guard against those 207 cases of other types of fraud is where to start.
The big difference is you are not required to have a credit card, and even if you do have one you are not required to carry it. You are saying everybody should have a national ID card with a microchip. You're one sentence from requiring everybody to carry it at all times. Since elections are carried out on a state by state basis, under what authority can the Feds require a state to accept such a card as valid ID? Basically, you want to create more government where it doesn't exist. Personally, I prefer no government where it is unnecessary.