Comment by m463
21 hours ago
I think tap-to-pay terminals that the server carries now eliminate more of this. but occasionally I have to give my card over.
On the other hand, stolen credit cards were kept by the restaurant and they got a reward.
Nowadays I don't think there is ANY checking of whose card is being used.
Credit cards never generally required identity verification (especially not for the cost of a restaurant dinner; anti-fraud measures might kick in for larger purchases, though), that was always a "feature". (Credit card companies want people to spend money and have always prioritized that over fraud detection.) Even the whole "I'm going to write Check ID on the card signature line" thing was never officially recognized by credit card providers, and explicitly was against the Terms of Service of most of them. The signature line was never meant to be an anti-fraud tool, it was your acknowledgement that you had read your Card's Terms of Service and accepted that contract, a holdover from the days before software invented shrinkwrapped/clickwrapped/SaaS contract acceptance and contracts still generally needed an explicit signature of acceptance. (That's the reason signature lines are just now disappearing, the Credit Card industry is finally following the software industry on "any and all possible uses of our services is acceptance of all of our contracts"; nothing to do with how much more NFC and EMV chips are secure against fraud.)
That you know of