ITEM: One form of small-scale credit card fraud is when waiters add an additional tip in the tip line of yr credit card (even if you’ve left a cash tip on the table) – by, say, turning a 3 into an 8 with a stroke of the pen, or adding a “1” in front of a “5.71” tip (though that's admittedly not easy if they put a dollar sign right in front of the amount).
Naturally, you can prevent this by keeping the paper receipt and checking them against yr credit card bill, but if yr not in the habit of keeping yr credit card receipts – or prone to losing them – Punny Money recommends using a checksum technique.
Say this is yr bill.


Then, when you get the credit card statement, find the item and add the numbers to the left of the decimal point, and confirm that they add up to the right-most digit. If they don’t, you’ve been pwned. It’s not 100% foolproof, but it can help keep yr losses low.
If yr not mathematically inclined but you do have an iPhone or a smartphone running Windows Mobile, there are apps for both that can calculate a checksum tip for you.
Speaking of handsets, Free From Broke has another suggestion: if you have a mobile phone with a camera, use it to take a photo of all your credit card receipts as soon as you get them. That way, you'll have a dated record of all your credit card purchases that you can refer to when you go over your credit card statements.
Wow. Who knew math would be this useful?
NOTE: Many people would also argue that one way to prevent this is to tip servers 20% like yr supposed to. Maybe – but while I wouldn’t exactly say I take all my tipping advice from Steve Buscemi, I do think tipping shouldn’t be automatic. And waiters rude enough to not be worth tipping might also be the sort to resort to credit card fraud to get revenge on deadbeat customers.
Being with me is like math class,
This is dF
Naturally, you can prevent this by keeping the paper receipt and checking them against yr credit card bill, but if yr not in the habit of keeping yr credit card receipts – or prone to losing them – Punny Money recommends using a checksum technique.
Say this is yr bill.

Adjust the amount of the tip so that the numbers in the final total to the left of the decimal point add up to the right-most digit. In this case, the total has a “51" to the left of the decimal point (A). 5 + 1 = 6, so the final digit should be six. Adjust the total to $51.86 or $51.96 (B) by adding nine or subtracting one from the tip (C).

Then, when you get the credit card statement, find the item and add the numbers to the left of the decimal point, and confirm that they add up to the right-most digit. If they don’t, you’ve been pwned. It’s not 100% foolproof, but it can help keep yr losses low.
If yr not mathematically inclined but you do have an iPhone or a smartphone running Windows Mobile, there are apps for both that can calculate a checksum tip for you.
Speaking of handsets, Free From Broke has another suggestion: if you have a mobile phone with a camera, use it to take a photo of all your credit card receipts as soon as you get them. That way, you'll have a dated record of all your credit card purchases that you can refer to when you go over your credit card statements.
Wow. Who knew math would be this useful?
NOTE: Many people would also argue that one way to prevent this is to tip servers 20% like yr supposed to. Maybe – but while I wouldn’t exactly say I take all my tipping advice from Steve Buscemi, I do think tipping shouldn’t be automatic. And waiters rude enough to not be worth tipping might also be the sort to resort to credit card fraud to get revenge on deadbeat customers.
Being with me is like math class,
This is dF