I prefer tap to pay using my iphone wherever possible. But I have found that gas stations often have do not have tap to pay enabled and only accept swipe. So I swipe. But I have email alerts setup for all card transactions … so i always am notified immediately when there is a fraudulent transaction, which seems to happen about twice per year. But I have never lost money … its just a hassle to call the bank and fix things.
There is also restaurants that like to take your card from you at your table and then disappear for 10 minutes to process payment. I scratched the 3 digit code off the back of my card so its impossible for the restaurant employee to obtain my 3 digit code. Of course, i need to store the 3 digit code somewhere else, so i have it when needed.
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