How to safely use a Payoneer card, and in general any other card (Visa, Mastercard)?

Question

Payment cards

I was recently in a place where they could potentially go through my bag. With me I had cash, a payoneer card, a Yandex money card, keys and all sorts of small things.
As if everything remained in place, and 97% that no one wool anything, but I cannot rule out that the cards were copied or photographed. It is clear that if my cash disappeared, then I would notice it, and it would be quite obvious who stole it, so I didn’t worry about the cash, I just checked that the cash was in place. And I didn’t worry about plastic cards either, because payoneer says that you need to apply the same approach to security to it as to cash, and Yandex money I have quite serious restrictions (everything is prohibited except offline payments), plus cvc / cvv I scratched out the code for poison. But now I understand that the situation with cards is not the same as with cash, because I cannot know whether someone copied / photographed my cards or not.
I searched on Google for information on the security of payoneer cards, but I found cases in 2016 and 2017 of copying plastic cards, with pin peeping, which led to cash withdrawals from ATMs. Uh... I thought chip cards were around for 10 years, and that solves the problem. And it turns out that it doesn't? And the cards are really still just copied, and then they withdraw cash from an ATM? How so? Why a chip?
Second moment. cvc / cvv code on the Payoneer card is squeezed out, and you can’t scratch it that easily. But with any card, anyone can look at it from two sides and then pay for purchases on the Internet, make card2card transfers, and so on (for any, except for the one where restrictions are configured).
And for general education.. When you enter a pin when shopping in a store. How do you ensure that no one is watching your Pin? Neighbor, cashier, or camera .. (if the purchase is larger than PayPass allows)
Also, when you hand over the card to the waiter or someone else for payment, then it may well be turned over along the way by looking at the card from two sides, and receiving information sufficient for payments on the Internet and card2card transfers, and in the old days, as I remember, it was necessary to put a signature on the check, which the cashier sometimes checked with a signature sample, and next to it were all the codes needed for online payments. In some car rental bureau, I remember they took an imprint from the card, and while they were filming, they saw the cvc / cvv code in every way.
It is clear that an ordinary person cannot make a purchase in an online store or card2card without getting fired up, but I know a person who had a similar situation, he received an SMS about the operation, called the bank, blocked the card, disputed the transaction and returned it to him. But I think it depends on the circumstances .... the bank that issued the card, the professionalism of the swindler, the effectiveness of the security system, and how soon the SMS about the operation arrived ...
In general, clarify the risks if anyone knows ...

Answer 1

The general principle of the bank’s operation is the same as yours with the data that came from the front-end - do not trust.
Therefore, in banks, each operation goes through anti-fraud filters, since in most countries, problems with the theft of cards are taken over by banks

because I can’t know if someone copied / photographed my cards or not.

it is true, as well as true, that your card will not be cashed in the nearest supermarket, which gives some hint to the bank that something is wrong

Uh.. I thought chip cards were like 10 years old, and this solves the problem

chip + magnetic tape. And yes - the vast majority of cards are just tape

And the cards are really still just copied, and then they withdraw cash from an ATM?

Yes

Why a chip?

to copy from a magnetic tape, you need to swipe once on the reader, the chip is positioned as a solution that cannot be cloned, but in fact ...
UPD: hahaha, everything is also bad with the chip + POS-terminal complex
The information exchange standard is crooked
https ://www.youtube.com/watch?v=m-VRsksSgM0
What allows you to do several classes of attacks
With NFC - everything is also disgusting and you don’t even need to climb into your bag - just be close to you

Second moment. cvc / cvv code on the Payoneer card is squeezed out, and you can’t scratch it that easily.

if you rub for a long time, then everything is ok

When you enter your PIN when shopping in a store. How do you ensure that no one is watching your Pin?

no way. Do not keep more money on an everyday card than you are ready to lose forever

Also, when you hand over the card to the waiter or someone else for payment, then along the way they may well turn it over, looking at the card from both sides, and receiving information sufficient to pay on the Internet

Internet payment blocking + lack of colors

the cashier sometimes checked against the sample signature

it's good that no one toils like this anymore, as it requires either entering a pin or a signature

imprint from the card

offline payment method with a card

But I think it depends on the circumstances .... the bank that issued the card,

Yes

Answer 2

3D secure to help, for normal cards, of course
Pioneer to pay in the supermarket, the toad crushes me, in the same place the conversion
in banks you can have several cards + all kinds of deposits with unlimited withdrawal replenishment, it’s enough to keep minimums
+ contactless payment

Answer 3

You block any compromised cards and get new ones. Nothing more to do