* Most of the fraudsters use non-paid e-mail accounts and it often doesn't match the name of the person who sending the mail.
As a criminal activity is serious, however, almost all credit cards around the globe include fraud protection, except from debit cards. If you call, you will be asked for your account number(s), PIN, and other sensitive information in order to deal with the "problem. It's just a matter of some small investments and a few of very minor lifestyle changes.
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