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the restaurant I'm referring to is located on a 2nd level..on Westminster Hwy...close to No.3 Rd

I think the 2nd level hint should be enough

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It's has been on Snoope already.. kind of old:
http://www.snopes.com/crime/warnings/cardscams.asp

Scenerios above are all possible, but not common.

1) How can a card scammer will take the time to carry all banks credit card and have time to swap them?
2) How can the bank not know when the card was used in 2 different places in short amount of time (assume owner use the card regularly)?
3) Show me a phone that can take credit card back and forth in good detail.

Philip

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