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In its "Payments Fraud: Consumer Considerations," the Federal Reserve Bank of Kansas City examines the ways credit card and debit card payments are both susceptible to, and helpful in preventing, payments fraud. The Fed notes an increase in payments fraud, which it defines as "the use of a payment mechanism by someone other than the individual(s) authorized to use it."
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And, should credit card fraud take place, the cardholder is protected by zero liability policies that lessen the damage.
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