View Poll Results: Select those options that apply wrt your use of credit cards. | |||
Yes, I may think twice before using my credit card in restaurants from now on. | 3 | 13.04% | |
No, I will continue to use my credit card in restaurants without worrying. | 16 | 69.57% | |
I may start paying with cash in restaurants. | 4 | 17.39% | |
I may use my 'credit' card in restaurants, but 'not' my debit card. | 5 | 21.74% | |
I have never experienced fraudulent use of my credit information. | 15 | 65.22% | |
I *have* had problems with credit card fraud. | 2 | 8.70% | |
Multiple Choice Poll. Voters: 23. You may not vote on this poll |
On Pacific time
Join Date: May 2004
Location: Moderator's Pub
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http://www.cnn.com/2007/US/04/21/new....ap/index.html
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I think the fact that waiters take your card 'away', out of your view (to carry out transactions to pay for your meal), makes restaurants particularly easy venues for the sort of fraud where card information is stolen with 'skimmers' and then used to make fake cards later. Honestly, I know *I* am having second thoughts about using my card in restaurants after reading this story. What a pain. I suppose if one wanted to continue using cards in restaurants, it would be better to use 'credit' rather than 'debit' cards, so that fraudulent purchases could be covered by the credit card company. With debit cards, you'd just be out of luck, right? God, I despise thieves SO effing much! Poll up in a few minutes. PS - Has your credit card ever been used fraudulently? |
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Hates the Infotainment
Join Date: May 2004
Location: NSA Archives
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Yah I heard about a similar story a few months ago on the radio. Definitely gives a person pause. I almost always pay with my credit card. I guess you have to be picky about where you pay with a cc.
Definitely a great reason to check your account activity more than once a month. My card company has notified me a fews times when I made purchases in areas or at merchants where I had never shopped before. At least there's that line of defense for some people. ...into the light of a dark black night. |
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is the next Chiquita
Join Date: Feb 2005
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I've seen a charge on my debit card which couldn't have been mine as I wasn't even near anywhere that place that day. A call to a bank, and everything was alright; they will mail me an affdavit denying that I made those charges.
So I presume debit card may have some protection at least. But the safest thing to do in a restaurant would be when you get the recipt, get up and pay at the counter. That way you get to keep your sight on the card for the transaction. |
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Thunderbolt, fuck yeah!
Join Date: Jan 2005
Location: Denmark
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Actually I don't have a credit card, despite that I travel a lot and also have been cheated once.
I think I'll get a credit-card before going anywhere again. |
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On Pacific time
Join Date: May 2004
Location: Moderator's Pub
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Yeah, I've had someone from the credit card company call to check on my account activity at least twice. I really appreciated it. However, at first I couldn't help being suspicious about whether 'they' were who they said they were. But since 'they' were able to 'tell me' about all the transactions I had made over the past two days, I figured they were legit. I didn't tell 'them' anything but my verification answers. Does anyone here buy credit insurance, or those monthly plans that monitor credit card accounts for fraud? I've 'thought' about it; but it just seems like it's one more place where people are given access to one's personal information. That aspect makes me uncomfortable. I keep seeing tv ads for hotels.com, and can't help remembering that their computer systems were illegally accessed, and hackers were able to obtain the personal info for thousands of people who had used hotels.com for vacation planning. I know *I* wouldn't trust them with my credit info, though they probably have good security now. My brother's card number was stolen by a clerk at an auto supply store. It was used later to buy $70 worth of home delivery pizza by someone who signed the name 'Maria'. |
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Rocket Surgeon
Join Date: Feb 2005
Location: The Canadark
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It makes me very, very irritated when waiters take your card away, for exactly this reason. In France, where they've had chip and pin for a lot longer than we have, they seem to train their waiters and shop staff better. They bring the machine to you, and in many cases, refuse to even touch your card, making you put it in the machine and never walking off with it.
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Selfish Heathen
Join Date: May 2004
Location: Zone of Pain
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This is nothing new. People have been stealing credit card information for years. Yet another article stating the obvious by the Associated Press isn't going to change my habits.
The quality of this board depends on the quality of the posts. The only way to guarantee thoughtful, informative discussion is to write thoughtful, informative posts. AppleNova is not a real-time chat forum. You have time to compose messages and edit them before and after posting. |
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On Pacific time
Join Date: May 2004
Location: Moderator's Pub
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There must have been some past fraud scandals that caused them to resort to these super-cautious methods, don't you think? When you say "bring you the machine", do you mean those old machines that imprint the card number onto paper slips with carbon copies? Or do you mean an electronic device, hooked up to the credit card system by an extra LONG cable? Or do they use some kind of 'wireless' card reader (which wouldn't seem all that secure to me)? With regard to those slips with carbon copies (iirc), boxes full of used credit card slips were found in a dumpster outside of a local chain store a few years ago. It was appalling. I just remembered that incident. Guess I won't be shopping at 'that' store anytime soon. |
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Hoonigan
Join Date: May 2004
Location: Canada
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Those wireless things aren't common there? Our pizza guys in town have wireless devices that you use on your doorstep for debit or credit card use.
If someone is dedicated enough to be behind my house intercepting the signals, he deserves a few bucks. Not like I won't get it back anyway. |
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Queen of Confrontation
Join Date: May 2004
Location: Ohio
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No matter what, there will always be people who steal credit card information. The only way to be completely secure is to have cash only, hidden in your mattress.
I've heard stories like these from all sorts of places: Restaurants, department stores, book stores, etc. I check my statements online at least once a week, if not more, just to make sure nothing is out of order, but I'm not going to change my shopping habits just because of a few bad apples out there. And at least with my credit cards, if something does happen, the company helps you out. |
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Credit card fraud does happen a lot, but as long as you keep track of how you use your money, you actually don't have all that much to worry about. |
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Rocket Surgeon
Join Date: Feb 2005
Location: The Canadark
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Aye, wireless. In smaller places they're based on DECT phones. In larger places, I believe they are encrypted wi-fi.
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If I'm not mistaken, Apple Stores have been using such wireless equipment for a while now, no?
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feeling my oats
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funny, my wife and i were just out at lunch today and the place brings the card swipe to you, so your card never leaves your hand. they had signs on all the tables telling you not to give your card to anybody and that instead the server brings the swipe machine to to and you add the tip and put in the total and nobody can mess with your account that way...guess they are jumping on this before it is a problem
g crazy is not a rare human condition everything is food if you chew hard enough |
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On Pacific time
Join Date: May 2004
Location: Moderator's Pub
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But maybe that's partly because I've always paid the pizza delivery guy with cash. Speaking of cash, has anyone noticed lately that a lot of American paper currency just seems *really* grungy? Ugh. So many bills seem filthy and on the verge of disintegration. If you happen to know that 60% of the currency is contaminated with E. coli bacteria, that makes handling those beat-up bills even ickier. And, no, I'm not an obsessive 'neat-freak' type of person. I just don't remember American currency being quite this grungy in past years. Maybe it always 'was' though, and somehow I just never noticed. I 'have' noticed that I always get the grungiest change from McDonald's. Just one more reason not to go there, I guess. |
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Veteran Member
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Regardless, every time I have had fraud on my credit card (which was once), they have credited the money back to my account, called me and cancelled my credit card. They have never held me responsible for the fraudulent charges.
Retired 8 years ahead of schedule. |
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