Earlier quoted context omitted.
That's not what you're competing with. Your competing with a drivers license with a photo (not a great photo) and some countries have pretty easily faked drivers licenses, but others have drivers licenses in hard plastic with holographic features. The credit card doesn't work as age verification.
You're competing with photos of a drivers license.
I think they "fixed" it. I think it has some effect now that only works if you tilt the phone.