Card cloning is done using various illegal techniques, including:
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1. Skimming – Fraudsters install hidden devices on ATMs or payment terminals to steal card data when you swipe or insert your card.
2. Shimming – A more advanced technique that targets chip-enabled cards by using a thin device inserted inside an ATM or POS machine.
3. Data Breaches – Hackers steal card details from online databases and use them to create clone cards.
4. Phishing Attacks – Cybercriminals trick users into revealing their card details via fake emails, websites, or phone calls.
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