I come from a country where most people don’t have a credit card.
I cannot wrap my head around [this](https://m.youtube.com/watch?v=vmh3_nSR1jU) documentary.
Now I get that credit card fraud *is* a big problem.
But if all you need is the card number to order stuff, and card numbers are so easy to come by as shown in the documentary, then why is not every single criminal in the US running a credit card fraud operation?
It seems super easy and low risk. Get a burner device, order stuff from public wifi, and don’t be stupid about the delivery locations.
In: 548
Because USA is a backwards country. Fraud is paid for by merchants who pay high interchange fees as “insurance” against fraud.
In Europe if you want to use a card online you need access to the correct phone (stealing someone’s phone number is generally harder here too) as well as information not on the card. Interchange fees are lower and fraud is lower. It just relies on motivation in the correct places.
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