Restaurants and Credit Cards

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
15 posts
yfan
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Postby yfan » Tue Aug 05, 2014 3:19 am

Firstly, precisely because of credit cards' fraud protection, I feel more comfortable handing a waiter my credit card than I do cash.

Huh? Yes. Think through this for a second, especially assuming ill intent on the part of the waiter. If I pay in cash and the waiter takes it with them, then either doesn't bring me change at all or brings me change for the wrong amount, exactly what recourse do I really have? If I say I gave him three 20s and the waiter argues that I put down two 20s and a 10, who proves that I'm right?

With my credit card this isn't even a possibility. And I generally don't tend to assume ill intent on the waiter's part, though I understand the fear.

But there is no such thing as perfect, absolute security. We don't stop owning ovens because the house might catch fire; we don't stop driving even though nearly everyone is in an accident at some point in their lives. Instead, what we do is take precautions.

Do the same with restaurants. Don't walk into a brand new restaurant with no reputation and hand them over your credit card, maybe. But with established places with good reputation, I think we're safe for the most part.


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kcm7
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Postby kcm7 » Tue Aug 05, 2014 10:07 am

yfan wrote:
If I pay in cash and the waiter takes it with them, then either doesn't bring me change at all or brings me change for the wrong amount, exactly what recourse do I really have? If I say I gave him three 20s and the waiter argues that I put down two 20s and a 10, who proves that I'm right?


I had a former waiter confess to me that, if a large party (so, tip was generally included) paid with cash, he'd sometimes pocket a $10 or a $20, walk back to the table and tell them they were short. And these large parties almost ALWAYS blamed themselves because they figured they'd made a mistake, with so many people throwing money into the pot. In order to get out of the embarrassing situation, everyone would cough up money. I was shocked that nobody pushed back.

Ever since then, in these situations, I've counted the money into the waiter's hand, "just to make sure we got it right." I'm sure none of them are as unscrupulous as that guy, but now I'm paranoid.
Cards:

-Capital One Quicksilver
-Barclaycard Arrival (no AF)
- US Bank (no rewards)
-IHG

Darrvao777
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Postby Darrvao777 » Tue Aug 05, 2014 10:59 am

nismoZtuner wrote:this is what chilis now have on tables...

Image


Saw this at chili's the other day and thought it was neat

Does anyone feel amex confers an additional level of protection?

I find amex is always great about siding with the customer and the rare time I've noticed a wrong or inappropriate charge, it's quickly removed with no questions ask

Not the best in terms of rewards but I find myself almost exclusively using amex cards in restaurants
- Amex Platinum (primary)
- Citi Double Cash (backup)
- Chase Sapphire Reserve (just to get the bonus, closing in 2017)

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CarefulBuilder14
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Postby CarefulBuilder14 » Tue Aug 05, 2014 11:12 am

While I have never had a waiter try to claim my $20 bill was only a $10, I have had a grocery clerk in Mexico do that same thing (100 vs 200 pesos / about $10 or $20). After a few minutes of being persistent (and loud and a bit annoying) I guess he realized I could barely speak Spanish but could read the numbers on the bills and was competent at math.

Years ago, before debit card protections were improved, I had a middle-aged, highly educated friend who gave his debit card information over the phone to a chain fast food restaurant when placing a large order. The restaurant manager failed to tell him that they were out of several of the items he wanted. When he arrived to pick up the food, the manager refused to adjust the bill and instead gave him other dishes totally unrelated to what he had ordered. Despite being very angry, my friend was stuck with the full bill and food he didn't want.

If he had paid with an Amex, I think the manager would have adjusted the bill and not tried to push the unwanted other food on him.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

Darrvao777
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Postby Darrvao777 » Tue Aug 05, 2014 11:34 am

Agreed, the other thing to watch out for is whether or not you get the same level of service from an amex-branded card that is not administered by amex itself (E.g. The fidelity amex)
- Amex Platinum (primary)
- Citi Double Cash (backup)
- Chase Sapphire Reserve (just to get the bonus, closing in 2017)



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