Out here in CA we have to punch in our zipcode to verify a purchase. Helps to curb the possibility of a stolen card.
It didn’t help us when my husband’s wallet was stolen. The guy just filled up to $50 at many different locations. Thank God the bank was on top of things. A convenience store clerk found his wallet in the trash, so he got all of it back, minus his ss card. Gee, I wonder what happened to that?