Hello!

I had an interesting incident regarding a payment requested by
credit card.

I young lady (est. 25-30yrs old) walks into my shop and asks
if she could use a friend's credit card that she only has
information for. I wasn't quite sure what this would look
like, but after a few minutes of shopping she was ready to
pay. She holds up the her phone and shows me the numbers in a
message on her screen! Duh. At first I thought this was
going to be a new kind of Apple Pay or something. But it was
just information. Technically, what she was doing would be no
different than a phone order (where I can't really tell if
someone is using a card legitimately either).

She elaborated her story by saying that she is tasked to find
some material as a welcome gift for a home she was decorating.

She was *very* attractive, articulate and did not seem dodgy
at all.

I let it go ahead.

She needed to "sign" my copy from the debit/cc machine (it was
basically just a scribble), but then she offered to provide
full info about the card owner +address +phone, etc.

Seemed to be good enough for me.

I treated this as a "card not present"/phone sale. If this
goes south, I'll only be out $78.

I just never encountered someone so open about using someone
else's card.
--
../|ug

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Hello, August Abolins.
On 11/24/20 6:36 PM you wrote:

I just never encountered someone so open about using someone
else's card.

My wife, before her own health issues, was a home care provider for elderly an ill people. I'd use their cards on occasion if they needed something while my wife was working. But I always physically had the card.

--
Best regards!
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Hi, August!

24 ¡«∩ 20 18:36, August Abolins -> All:

I just never encountered someone so open about using someone
else's card.

For Russians, this is normal. We do not understand at all how one can go to jail for using a credit card belonging to a husband or wife.

Have nice nights.
Stas Mishchenkov.

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Hello Stas!

** On Wednesday 25.11.20 - 08:01, Stas Mishchenkov wrote to August Abolins:

For Russians, this is normal. We do not understand at all
how one can go to jail for using a credit card belonging
to a husband or wife.

That would probably be fine here in Canada too. The only
exception might be if one of spouses reported the card lost or
stolen, then the last purchases are suspect and cancelled -
and I would be out of product.

However in my case, the young lady seemed open about
everything. She was practically the personally shopper for the
owner of the card, assuming that she was given the authority
to shop for the owner of it.

I really had no reason to doubt her story. It's not like she
went all over the shop and just picked the most expensive
things. If it was a $200+ purchase, *then* I might be
suspect.

But technically, it was not much different had she called the
shop over the phone and given me the numbers. I wouldn't have
a way to verify if she had authority to use the numbers or
not.

These days, people don't even have to give me any details of
the cards they are using. They just swipe/tap/dip on their own
and enter the PIN when required. When a person taps a card
(using the touchless feature) they don't even need to use a
PIN at all - the card could be stolen - but I would never
know.

Maybe I could have persuaded to take selfie with her. Then I
would have a mugshot incase I needed to report her to the
police.

We shall see if this experience will result in a Chargeback.
Hope not.

--
../|ug

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