I had a charge for multiple pizzas reversed once, and when I went down to the credit union to get my new card, the teller explained that most times the caper isn’t this Mission Impossible-type hacker stuff. It’s often just somebody plugging in the last few credit card/debit card numbers sets with successive numbers. They try a probing charge of a dollar or two until they get a bingo. Then they charge away the rest of your money if it isn’t caught in time.
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