Thanks. At least I got to know that signature isnโt required by the CC companies, although the merchants still continue to ask for it.
Ironically, Walmart, Target, etc. they all still ask for signature on the terminal pad during checkout.
To be honest, I havenโt tried not signing. I need to see what happens.
These type of merchants may not require signature (when they actually stop asking for it) because they have camera right in front of the checkout counter. So signature doesnโt matter in this case as we are clearly captured. The time of transaction, time of customers presence in front of the camera and the camera footage is enough to prove it wasnโt a fraud transaction.
This isnโt the case in restaurants and especially DBโs (unless they have cameras inside that clearly captures the patrons using CC). Donโt see it working in semi lit SB/DB even with cameras.
The chip in CC removed fraud transaction because itโs difficult to duplicate the CC with chips. Thatโs why the mode of fraudulent I mentioned was using the card but by someone else, who stole it, etc.
To summarize - If a DB/SB doesnโt ask me to sign the receipt, I would accept the challenge to successfully dispute the charge - that too with proof. Because here they wonโt have my signature and no camera footage too in their favor.
Even if they have inside camera footage, I wonder if they can use it showing 30 bar girls illegally serving customers.
And how such a footage could be used in a police case too.
In November, Iโd try asking SB/DBโs that donโt require signatures ;-)