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Banks can reverse fraudulent transactions on your cards. I've had it happen to me twice in the last 12 months and both times the bank reversed the transactions, I'd go higher if I was you.
Always run a non carded savings a/c and keep the bulk of your funds in that then transfer money to the other card a/c's as needed
Always check your bank a/c's daily and if something doesn't look right report it straight away
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