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Someone can use your credit card if

  • you give it to them;
  • unbeknownst to you, they copy your number, expiration date and CVV;

just a couple possibilities.

In my experience, 9 times out of 10, a merchant never asks to see my ID nor do they verify my signature against the signature on the back of the card. Also, when someone uses a card for internet purchases, all they need is a number and expiry date. Many online businesses do not even require the CVV number.

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Q: How could someone use your credit card?
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