Living with credit, Protecting yourself, Shopping

You want my credit card BEFORE I eat?

Jay MacDonald

Here’s an awkward credit card moment. But first, allow me to set the scene:

Let’s say you and your friends are footsore from knocking around the historic Uptown district of Charlotte, N.C., and decide to stop for a bite at Nikko Japanese restaurant and sushi bar on South Boulevard. As you settle into your cushy circular booth, visions of wasabi eel and umbrella drinks swimming in your heads, your waiter approaches, scribbles your order, then asks for a credit card to hold while you enjoy your meal.

You want my credit card BEFORE I eat?

Do you give it to him?

Unfortunately, diners are being asked to make that call at Nikko and other Uptown restaurants lately after Charlotte restaurateurs reported to local affiliate WBTV an uptick in “dine and dash” incidents where patrons skipped out on their bill. The deadbeat diner streak has also prompted Mortimer’s Pub servers to hold credit cards of customers hostage, especially those seated on the open-air patio.

“I really have no problem with asking for or even giving (a card) on the other end of it,” Mortimer’s server Rise Anderson told the station.

Well, thanks for playing, Rise, but I for one have major problems with this uncouth breach of social etiquette and gracious dining. Feel free to jot these concepts down on your order pad:

1. I am your customer. Your livelihood and your tip ultimately depend on my experience dining in your restaurant. Why in the world would I tacitly consent to pay upfront for service I’ve yet to receive? Even the Dominos delivery guy gives me a peek at the pie first. You lost most of your tip just for asking.

2. You have no right to distrust me. I have every right to distrust you. I walked willingly into your establishment trusting you to provide me with the dining experience advertised. Your lack of trust that I will uphold my end of our social contract and pay you deeply offends me.

3. Spoiler alert: bad things happen far too easily to credit cards the minute they leave our possession. Card swiper, hello? Just the thought of my card sitting around your chaotic kitchen or unmonitored wait station for an hour gives me heartburn.

4. Your inability to monitor your stations and collect remuneration due is absolutely none of my concern. Your attempt to make it so offends me.   

5. It should go without saying that any financial gain you may recoup at my inconvenience will be more than offset by the resulting negative word of mouse over social media.

Not only is it rude to hold a credit card hostage throughout a meal, the practice also exposes the cardholder to a potential dose of identity theft indigestion that could kick back for months.

Join the Discussion

We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, we ask that you do not disclose confidential or personal information such as your bank account numbers, social security numbers, etc. Keep in mind that anything you post may be disclosed, published, transmitted or reused.

The editorial content on is not sponsored by any bank or credit card issuer. The journalists in the editorial department are separate from the company's business operations. The comments posted below are not provided, reviewed or approved by any company mentioned in our editorial content. Additionally, any companies mentioned in the content do not assume responsibility to ensure that all posts and/or questions are answered.

  • Jim McQueen

    Bravo! Forget the gold star. Give this writer a platinum one for his consumers’ advocacy!

  • Richard W

    What if I pay cash for my dinner? Am I suppose to give the waiter $50 to be treated as an “escrow account” for my dinner?
    Restaurants who do this will certainly not get my business.