The criminals don't use the Dumps online, they use them instore. They use a PVC printer to print the bank logo and design on the card, they press the details onto the card and then they UV light the card and add silver foil to the raised letters. That means they have a fully working blank card, they then put the track data onto the card and go spend in the shops. If its a high priced card, such as Platinum or business they they will make a fake ID to go with it.
That's easier to counter when you will be returning your money from bank, since you physically will be in another place. And of course you should always see your card when paying in restaurant, store etc, so nobody can copy it.
Maybe it is different in the US then in other countries, but every restaurant I have ever been in the waitress has taken the credit card away inside of the check and come back with a receipt to sign.
Even so, just because you can see your card doesn't mean someone cannot copy it. They could even have a modified device that automatically log all cards while also performing transactions. In such a scenario you would see nothing out of the ordinary.
Even with handheld POS machines, those can still be modified to contain skimming equipment, everything has been done. Its crazy. If everyone went back to cash would save us all a lot of hassle.
