PSA: Don't give your bank card to the waiter

[Fajita Jim]

I've been trying to tell my friends this for years, and they think I'm paranoid. But now one has had his bank account wiped after he used in DEBIT card at a restaurant.

Guys, never give your card out. If you can't scan it and punch it in yourself, use cash.

[Captain n00by]

A dollar will buy anything. Robocop taught me this wisdom.

https://youtu.be/EYdpy9ShoVU

[Ⓥenom Ⓢnake 🐍]

Nah. It's very rare, easy to fix, and still convenient, which is what the card is for.

The place you DON'T want to use it is at the pump. It wouldn't be an issue if we had proper chip and pin, but nope.

[Crazy Tiger]

I assume they blocked the card?

Around here such things don't happen, you always use the card yourself everywhere. Wouldn't give out the card anyway, it's my card and my business what I do with it.

[Out Of Bubblegum]

How did he use a debit card? Did he give the pin to the waiter? Another option is a per-paid debit card. To use at suspect places. You can only lose what is loaded into the account. Using a CC is better.

[Radene]

Why would anyone do that? Even if I trust people, I want to do my transactions myself.

[Ⓥenom Ⓢnake 🐍]

Out Of Bubblegum lähetti viestin:

How did he use a debit card? Did he give the pin to the waiter? Another option is a per-paid debit card. To use at suspect places. You can only lose what is loaded into the account. Using a CC is better.

Debit cards here have an option to simply use it as credit. Like I said, proper chip and pin.

If you are that paranoid, you can always walk up to the host stand or bar.

[Affronter]

This sounds strange. Where did the money go? If it's a debit card the money is from a bank account so the balance needs to be transferred and if that's the case it can be traced.

[Edifier]

All of the restaurants in my area have you either pay before you get your food or after you're done eating and it's still going to the counter to pay for it.

Still I just wouldn't trust anyone with my card. Luckily these days I'm paying with my phone so I kinda need a little terminal to pay with.


Another tip for people. If you have a card linked to an account keep an extra account where you keep most of your money in and only transfer the amount you might need to use for a week.

This way if someone gets hold of your card they'll only be able to take that much where as the rest of the money is still on another account.

It's more fiddly but if something bad happens the damage is far less. I'm sure your local bank can do this for you without much of a problem.

[Ramonkey]

Fajita Jim lähetti viestin:

Fred Durst lähetti viestin:

Wait, did they give the passcode to the waiter as well?

A lot of places don't need PIN numbers. McDonald's Drive-Thru, for instance. Ironically, the PIN is only necessary when the customer himself scans the card.

Eh??

Is that an American thing? Where I live this is unheard of

[Affronter]

Ramonkey lähetti viestin:

Fajita Jim lähetti viestin:

A lot of places don't need PIN numbers. McDonald's Drive-Thru, for instance. Ironically, the PIN is only necessary when the customer himself scans the card.

Eh??

Is that an American thing? Where I live this is unheard of

Tap to pay doesn't require a PIN. But there's a total limit, usually $100 or so.

[Nomad]

Ramonkey lähetti viestin:

Fajita Jim lähetti viestin:

A lot of places don't need PIN numbers. McDonald's Drive-Thru, for instance. Ironically, the PIN is only necessary when the customer himself scans the card.

Eh??

Is that an American thing? Where I live this is unheard of

We have contactless here, but even so, you can just take a picture of the card front and back and it will give you all the info you need to transfer money or make purchases.

[Holografix]

If you're going to a restaurant during the pandemic...

[Fajita Jim]

Affronter lähetti viestin:

This sounds strange. Where did the money go? If it's a debit card the money is from a bank account so the balance needs to be transferred and if that's the case it can be traced.

It's spoofed to look like an Itunes purchase. I'm sure the bank can trace it but it's probably a temp account that gets emptied via online transfer and there's plenty of ways to spoof an IP address.

[Out Of Bubblegum]

☠️ Marshall Mason ☠ lähetti viestin:

Out Of Bubblegum lähetti viestin:

How did he use a debit card? Did he give the pin to the waiter? Another option is a per-paid debit card. To use at suspect places. You can only lose what is loaded into the account. Using a CC is better.

Debit cards here have an option to simply use it as credit. Like I said, proper chip and pin.

So do mine. Without a pin how did they empty a bank account? The debit card number should not be enough.

[Holografix]

Fajita Jim lähetti viestin:

Affronter lähetti viestin:

This sounds strange. Where did the money go? If it's a debit card the money is from a bank account so the balance needs to be transferred and if that's the case it can be traced.

It's spoofed to look like an Itunes purchase. I'm sure the bank can trace it but it's probably a temp account that gets emptied via online transfer and there's plenty of ways to spoof an IP address.

Where is your friend going that this is happening? In other words, what scuzzy place is it? What's the name?

Because it should be:

PSA: Don't go to [place] and give the waiter your card.