Is this true in the USA?

WheatenLover said:
I don't have to hand my card to anyone -- I put it in the machine or tap it on the machine, and voila! I have paid. I don't tap my phone to pay because I don't want to.
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no this is imperitive that you tap your own card on the machine and don't allow anyone to take your card, for example a waitress take your card to pay at a machine at the counter... this is how so many card skimming is carried out

A lot of people use Apple pay on their phones now...I won't do that..I'd be terrified I lost my phone, and I don't want to feel tied to my phone like that
 
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robin416 said:
You all do realize we were handing over our cards for years before digitation came into being. Even back then double running a card would happen which is why we use CC cards to pay. If this happens, we dispute the claim just as we do today.
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you don't have to dispute any claim if you don't hand your car over to a third party. It's been many years in the Uk since we had to do that... and it was due to card skimming and fraud that things changed
 
It seems like offering up your card happens more often in upscale restaurants, hotels, etc…

The risk is still there but it largely depends on the honestly of an individual that has been hired and is working for the business where the card is being used.

The scammers have adapted and now collect information direct from the terminals at gas pumps, self checkouts etc… by attaching a skimming device.

Less risk of being caught and higher volume of transactions.

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IMO all we can do is continue to adapt and be aware of the possible risks.
 
I know in advance if the restaurant I'm going to expects me to pay at the table, which means handing my card to the waiter, so I make sure I have enough cash with me that I can pay by cash instead of by card. I only use my card at the machine where I can personally tap or insert it. I never use a bank debit card anywhere except to withdraw cash from the ATM machine at the bank where I have my account and no other ATM machines.
 
honestly the US is not a one size fits all,
maybe the girl in video ran into places that do not have the tap machines. i found small places that did not have before now have tap machines.

Seldom if ever have I had to hand card to people now days, checking into hotel but they were right in front of me
It reminds me when I was a cashier have a person hand me a card that clearly was not them and I would NOT even take it.
I remember it is my mom's card or spouse card as woman did not look like a Walt or a big man with a card saying Sally.

The scams now involve a RFID scanner, and they can just stand by you and skim your card. Not sure anyway is safer than others.
 
Wombat said:


Do you hand your card to people in the US?

What happens if you want to tap your phone to pay? Do they go off with that?

Just curious.
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Yes. Our bankers are dinosaurs who need to be dragged into the late 20th century. Not the 21st century, I doubt they could handle that.
 
I tap my card myself. In the upper end restaurants, we allow the waiter or waitress to take the card and return it to the table for me to sign and I retain the receipt until I receive the bill at the end of the month. I have never had a problem doing that. I have theft protection in case any of my cards are misused or stolen.
 
Did the "waitress" say she already charged the card before taking the lady's card?

Maybe I misunderstood.

That can only happen at a fairly high-end hotel, for example, where you use your card when you check in, and all services you use and purchases you make within the hotel are added to the card during your stay, so you only have to use it once. Then, you're handed a tally when you check out, and you can dispute any errors before the clerk finalizes all transactions.

At restaurants that take your card, I always just stick my card in the little booklet thing they bring with the check. I've never had a problem with that. You also hand over your card at fast-food drive-thru windows.
 
Murrmurr said:
My bank will immediately text me before finalizing any unusual purchases or pay-points, or they'll simply decline the transaction. My bank-bots have my back.
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Mine won't text. Small regional bank. They will decline or call me personally. A call is extremely rare. The bank is so small I recognize their voices.
 
The good thing (or bad depending how you look at it), about credit cards is that if someone does steal you card or numbers on the card, you're only liable for $50 of it. I believe credit card companies must carry insurance for thefts. I've never had a problem handing my card over, but I know there's always the possibility of a thief getting my information.
 
Here's another...


Again as a matter of interest do you still have cheques? I haven't seen a cheque for years and banks transfers take about a minute. Again is this true?


BTW that girl is a comedian currently performing somewhere in the US, I think she is quite funny but also quite perceptive.
 
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