• credit card by proxy

    From August Abolins@2:221/1.58 to All on Tue Nov 24 18:36:00 2020
    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

    --- OpenXP 5.0.47
    * Origin: Mobile? Join CHAT here: https://tinyurl.com/y5k7tsla (2:221/1.58)
  • From Charles Pierson@1:153/757.26 to August Abolins on Tue Nov 24 18:46:37 2020
    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!
    Posted using Hotdoged on Android
    --- Hotdoged/2.13.5/Android
    * Origin: Houston, TX (1:153/757.26)
  • From Stas Mishchenkov@2:460/5858 to August Abolins on Wed Nov 25 08:01:26 2020
    Hi, August!

    24 ноя 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.

    --- Коньки и ласты - что суждено отбросить, того уже не склеишь...
    * Origin: Lame Users Breeding. Simferopol, Crimea. (2:460/5858)
  • From August Abolins@2:221/1.58 to Stas Mishchenkov on Wed Nov 25 00:38:00 2020
    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

    --- OpenXP 5.0.47
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