A portable consumer device (32, 200, 200(a), 200(b) 400, 500) comprising: a memory (32(b)) for storing information including credit or debit card information, wherein the information is in the form of Track 1 or Track 2 data; a processor (32(c), 212) coupled to the memory (32(b)); a first antenna coupled to the processor (32(c), 212); a second antenna (32(a), 214, 414, 514) coupled to the processor (32(c), 212) and included in or provided on a base portion (32(h), 210, 410, 510) of the portable consumer device (32, 200, 200(a), 200(b) 400, 500), and configured to communicate with an interrogation device using short range RF communication; a shield portion comprising a shield coupled to the base portion (32(h), 210, 410, 510), the shield portion comprising conductive material, wherein the shield is configured to electronically load the second antenna (32(a), 214, 414, 514) such that the second antenna (32(a), 214, 414, 514) couples a substantially attenuated version of an interrogation signal to the portable consumer device (32, 200, 200(a), 200(b) 400, 500); a movable element coupling the base portion (32(h), 210, 410, 510) and the shield portion and capable of moving the shield portion between a proximate position and a distal position and wherein the shield is configured to cover only a portion of the second antenna (32(a), 214, 414, 514) when the shield is in the proximate position, and wherein the movable element is configured to bias the shield portion to be in the proximate position; a display (32(d)) coupled to the processor (32(c), 212); a microphone (32(i)) coupled to the processor (32(c), 212); and a speaker (32(f)) coupled to the processor (32(c), 212); wherein the portable consumer device (32, 200, 200(a), 200(b) 400, 500) is a phone. a memory (32(b)) for storing information including credit or debit card information, wherein the information is in the form of Track 1 or Track 2 data; a processor (32(c), 212) coupled to the memory (32(b)); a first antenna coupled to the processor (32(c), 212); a second antenna (32(a), 214, 414, 514) coupled to the processor (32(c), 212) and included in or provided on a base portion (32(h), 210, 410, 510) of the portable consumer device (32, 200, 200(a), 200(b) 400, 500), and configured to communicate with an interrogation device using short range RF communication; a shield portion comprising a shield coupled to the base portion (32(h), 210, 410, 510), the shield portion comprising conductive material, wherein the shield is configured to electronically load the second antenna (32(a), 214, 414, 514) such that the second antenna (32(a), 214, 414, 514) couples a substantially attenuated version of an interrogation signal to the portable consumer device (32, 200, 200(a), 200(b) 400, 500); a movable element coupling the base portion (32(h), 210, 410, 510) and the shield portion and capable of moving the shield portion between a proximate position and a distal position and wherein the shield is configured to cover only a portion of the second antenna (32(a), 214, 414, 514) when the shield is in the proximate position, and wherein the movable element is configured to bias the shield portion to be in the proximate position; a display (32(d)) coupled to the processor (32(c), 212); a microphone (32(i)) coupled to the processor (32(c), 212); and a speaker (32(f)) coupled to the processor (32(c), 212); wherein the portable consumer device (32, 200, 200(a), 200(b) 400, 500) is a phone. <EOS>