I'm guessing there are credit card scanners out there that plug into your iPhone and allow the waitress to quickly take the card info off the card to be sold later. I only use credit cards online or locally. No debit. PLUS, you get 1.5% cash back from the CC. That adds up. I pay off every month, sometimes sooner, so I pay nothing to use the card...it's a real convenience over carrying cash. Now my story...went into Best Buy today to buy some appliances for the upcoming new home. Declined. WTF? The clerk calls CC services at Citi and they say I closed the account via an online chat on April 10th! AN ONLINE CHAT??? WTF! I talked with their support center and they are investigating it. I would LOVE to see the IP the chat came from! So I now have a closed Best Buy Citi card until they finalize their investigation. I mean, I only got it to save 10% on the large purchase, then I throw it in a box and don't use it again. Can you believe the crap some people do for kicks???