> It is not bulletproof but I have yet to see fraudster go to that extend. There's a comment upthread in which someone describes dealing with a fraud ring that

> It is not bulletproof but I have yet to see fraudster go to that extend. There's a comment upthread in which someone describes dealing with a fraud ring that uses a call center to defeat exactly this approach. Anecdotally, I know shop owners who have also dealt with would-be fraudsters who will happily talk to them over the phone. Which is not to say that your experience is anything less than completely valid! It just might not encompass the whole of the range of possible valid experiences.