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You must have been going to some very shady restaurants. I still hand off my credit card to a rando. I did it today. I did it last weekend. I've never had t

You must have been going to some very shady restaurants. I still hand off my credit card to a rando. I did it today. I did it last weekend. I've never had this problem.

Lammy 8mo ago
This exact thing happened to me once at the hotel bar in the Santa Clara Convention Center / Hyatt Regency Santa Clara.
kstrauser 8mo ago
Not especially, I don't think. It's incredibly common according to everything I see online.
- recursive 8mo ago
  I guess I'm just lucky.
  - ghaff 8mo ago
    "everything I see online" is probably disproportionately outliers. I use a credit card hundreds of times a year in many places around the world and at least cursorily keep my eye on charges in my statements and fraudulent charges are rare--like maybe every few years at most.
bigstrat2003 8mo ago
Yeah I agree. Not only do I hand off my card, literally everyone I know does so. None have ever had problems. I'm not saying that such fraud never happens, because it obviously does happen. But I don't think it's so overwhelmingly common as is being claimed here.
- kstrauser 8mo ago
  This source[0] is hardly unbiased, so take this with a heavy dose of "citation needed", but it claims: > 62 million Americans had fraudulent charges on their credit or debit cards last year alone, with unauthorized purchases exceeding $6.2 billion annually. However, that jibes with other numbers I've seen. https://www.security.org/digital-safety/credit-card-fraud-report/ https://www.security.org/digital-safety/credit-card-fraud-re...
  - Marsymars 8mo ago
    That jives with the number of unauthorized transactions I've had on my cards. 62/260 million adults = about a quarter of adults each year. On average I probably average a fraudulent transaction in a quarter of the years.
    - what 8mo ago
      > On average I probably average a fraudulent transaction in a quarter of the years. I’ve had one fraudulent charge in my entire lifetime. Once a quarter seems insane. Are you putting your card info into random websites or something?
      - billforsternz 8mo ago
        He meant once every 4 years not once every quarter.
- jandrewrogers 8mo ago
  In my lifetime, I had my card details stolen once (in Washington DC). It was an American Express. They caught it immediately and shipped me a new card before I even noticed. It was basically “we caught some shady shit, here is your new card number, which will be delivered today”. It is one of the reasons I like Amex. They are johnny-on-the-spot when they get a sniff of fraud.
buildsjets 8mo ago
I had my corporate card get cloned by the Wendys at Seatac airport, about 10 years ago. Do you consider that to be a sketchy restaurant? Why are you victim blaming? I had not used the card in several weeks. Coffee and a breakfast sandwich at Wendys was the only purchase I made that day. ~4 hours later my card was declined when checking in to my hotel in LA. Called their security department, they wanted to know whether I had authorized a $4000 purchase at a Best Buy in Dallas.
- recursive 8mo ago
  I don't know how to define sketchy. I believe you. I just don't know how to account for the difference in experience. > In the dark old days before Apple Pay, where it was common in America to hand your credit/debit card to some rando at a restaurant I don't think I've ever seen anyone use a phone to pay at a restaurant. I think I generally see 95%+ pay with cards, the same way that "was" common. The rest is cash. Maybe I'm just not paying attention? I don't know.
afpx 8mo ago
I've been using my credit card at restaurants for 30 years. I've used it probably 5000 times, and I've only had the number stolen once (from a grocery store). Where are these low-trust areas of the US? I want to visit and check it out.
rationalist 8mo ago
Mine was cloned at a very high-end restaurant in Austin, TX.

You must have been going to some very shady restaurants. I still hand off my credit card to a rando. I did it today. I did it last weekend. I've never had this problem.

Lammy 8mo ago

This exact thing happened to me once at the hotel bar in the Santa Clara Convention Center / Hyatt Regency Santa Clara.

kstrauser 8mo ago

Not especially, I don't think. It's incredibly common according to everything I see online.

recursive 8mo ago
I guess I'm just lucky.
- ghaff 8mo ago
  "everything I see online" is probably disproportionately outliers. I use a credit card hundreds of times a year in many places around the world and at least cursorily keep my eye on charges in my statements and fraudulent charges are rare--like maybe every few years at most.

bigstrat2003 8mo ago

Yeah I agree. Not only do I hand off my card, literally everyone I know does so. None have ever had problems. I'm not saying that such fraud never happens, because it obviously does happen. But I don't think it's so overwhelmingly common as is being claimed here.

kstrauser 8mo ago
This source[0] is hardly unbiased, so take this with a heavy dose of "citation needed", but it claims: > 62 million Americans had fraudulent charges on their credit or debit cards last year alone, with unauthorized purchases exceeding $6.2 billion annually. However, that jibes with other numbers I've seen. https://www.security.org/digital-safety/credit-card-fraud-report/ https://www.security.org/digital-safety/credit-card-fraud-re...
- Marsymars 8mo ago
  That jives with the number of unauthorized transactions I've had on my cards. 62/260 million adults = about a quarter of adults each year. On average I probably average a fraudulent transaction in a quarter of the years.
  - what 8mo ago
    > On average I probably average a fraudulent transaction in a quarter of the years. I’ve had one fraudulent charge in my entire lifetime. Once a quarter seems insane. Are you putting your card info into random websites or something?
    - billforsternz 8mo ago
      He meant once every 4 years not once every quarter.
jandrewrogers 8mo ago
In my lifetime, I had my card details stolen once (in Washington DC). It was an American Express. They caught it immediately and shipped me a new card before I even noticed. It was basically “we caught some shady shit, here is your new card number, which will be delivered today”. It is one of the reasons I like Amex. They are johnny-on-the-spot when they get a sniff of fraud.

buildsjets 8mo ago

I had my corporate card get cloned by the Wendys at Seatac airport, about 10 years ago. Do you consider that to be a sketchy restaurant? Why are you victim blaming? I had not used the card in several weeks. Coffee and a breakfast sandwich at Wendys was the only purchase I made that day. ~4 hours later my card was declined when checking in to my hotel in LA. Called their security department, they wanted to know whether I had authorized a $4000 purchase at a Best Buy in Dallas.

recursive 8mo ago
I don't know how to define sketchy. I believe you. I just don't know how to account for the difference in experience. > In the dark old days before Apple Pay, where it was common in America to hand your credit/debit card to some rando at a restaurant I don't think I've ever seen anyone use a phone to pay at a restaurant. I think I generally see 95%+ pay with cards, the same way that "was" common. The rest is cash. Maybe I'm just not paying attention? I don't know.

afpx 8mo ago

I've been using my credit card at restaurants for 30 years. I've used it probably 5000 times, and I've only had the number stolen once (from a grocery store). Where are these low-trust areas of the US? I want to visit and check it out.

rationalist 8mo ago

Mine was cloned at a very high-end restaurant in Austin, TX.