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I had it happen once with a debit card. The bank actually notified me before I noticed it. "You live in Iowa, right? You're in Iowa today. You weren't in Brooklyn, New York, this morning, were you."
The perp started out by testing the waters with .25 and .50 parking meter fees, then with a fast food purchase, and had gone on to a $25 purchase in a store, and then the bank called me.
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Ever notice how this place just basically, well, sucks.
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