this post was submitted on 03 Nov 2024
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This is an EMVCo chip card, and not an American one so it’s chip and pin most likely. Without getting too detailed, the chip generates a one time use code for each transaction, so just having the number wouldn’t help with cloning the card plus you also would need to know the PIN. Although skimmers still exist and physical card theft is a thing, it’s less common especially in markets that use chip and pin.
I'm in the US, and all of my cards have the numbers on the back now, and they're not raised. I'm pretty sure we transitioned to chip and pin like a decade ago.
The transition to contactless (where you tap your card or phone instead of inserting the card) took so long in the USA though. It only really became popular during COVID and with Apple Pay. Home Depot finally enabled contactless payments recently. In Australia, we were using contactless payment 15 years ago!
US banking is behind in a few other ways too. Apps like Venmo and Zelle just don't exist in some other countries since you can easily do an instant transfer through your bank to anyone else for free. Some US banks still use SMS for two factor auth, which is insecure.
So home Depot actually had contactless payment for a while like a decade ago but when they switched to new card terminals they got rid of it. No clue why it disappeared but probably a money thing.