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Right, so you're saying it up to me to notice and call the credit card company?

In that case, I need to go through my statement and remember that the $70 charge was supposed to be $60, or have the receipts and check it. That isn't something I have to do here, because it all happens at the same time.

Or are you saying that the penalty for the restaurant/server is high enough that this sort of thing just doesn't really happen much?

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I've never seen it happen and I use credit cards for everything. I can't remember the last meal in a restaurant that I didn't use a credit card. I've never heard of it happening from any friends or family either. It just isn't a thing.

Same with stealing number. Yes it's kind of strange that most of the time the server just takes your card and disappears for a while, but I've never heard of a number being stolen from anybody I know. Of course, it does happen, but it's very rare.

Here’s the thing man, until you personally see it happen at least once, don’t bother worrying about it. The odds are super slim and the incentives to commit tip fraud on one meal are high risk for little gain. I’ve never seen it happen or heard of it happening.

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