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HEllo every one i am mrs maria jolly and i want to give a confirmation on how i was scammed by different online atm hackers that took my money without giving me something but unfailing pledges that i will get the card that was how i paid up to 4000usd without getting something from several hackers, until one day when i was online searching on google i saw another testimonies on how they got an hacked card from a man called mr james freeman i decided i will never contact any hacker online again because of my money i lost without getting anything but i still carry on seeing different people giving evidence about the man so i had to give it a try to see if i could get the card and help my youngsters, so i touched him and told him whole he felt for me and told me to send down my details that the card includes 500,000usd that i could withdrew 5000usd from it each day after sending my details to him the third day i got a parcel from the dhl and it was the atm i was so happy and thanked him for what he did for me so if you are anxious for you not to fall in the hands of scammers here is his email: contact him now and get your card. 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MErchants are charged several fees for assenting credit cards. THe agent is usually charged a embassy of around 1 to 4 percent of the value of each exchange paid for by credit card. THe factor may also pay a variable charge, called a merchant reduce rate, according to traffic. IN some instances of very low value negotiation, use of credit cards will significantly reduce the profit margin or cause the merchant to lose money on the dealing. MErchants with very low average commerce prices or very high average traffic prices are more averse to affirming credit cards. IN some cases dealers may charge users a “credit card appendage” or surcharge, either a fixed amount or a interest, for payment by credit card. THis habit was outlawed by most credit card pacts in the united states until 2013, when a major compromise between agents and credit card trades allowed dealers to levy surcharges. MOst retailers have not started using credit card surcharges, however, for fear of losing buyer. SUrcharging is actually illegal in 10 states. MErchants in the united states have been battle what they think to be unfairly high fees charged by credit card affairs in a series of lawsuits that started in 2005. MErchants charged that the two main credit card figuring businesses, mastercard and visa, used their patent power to levy inordinate fees in a class action lawsuit about the civil retail federation and major sellers such as wal mart. IN december 2013, a federal judge accepted a $5. 7 billion adaptation in the case that offered payouts to dealers who had paid credit card fees, the largest antitrust adjustment in u. S. HIstory. SOme large dealers, such as wal mart and amazon, chose to not joined in this adjustment, however, and have endured their legal fight against the credit card enterprises. CRedit card security relies on the stuff shield of the plastic card as well as the privacy of the credit card number. THerefore, at any time a person other than the card owner has access to the card or its number, defense is perhaps compromised. ONce, brokers would often accept credit card numbers without supplemental validation for mail order acquirements. IT’s now common routine to only ship to habitual approaches as a protection measure to minimise fraudulent acquirements. SOme merchants will accept a credit card number for in store gains, whereupon access to the number allows easy fraud, but many require the card itself to be present, and require a sign language. A lost or stolen card can be annulled, and if this is done quickly, will greatly limit the fraud that can come about in this way. EUropean banks can require a cardholder’s protection pin be entered for individually acquisitions with the card. INternet fraud may be by claiming a chargeback which is not proper “amicable fraud”, or carried out by the use of credit card suggestion which can be stolen in many ways, the simplest being copying recommendation from sellers, either online or offline. DEspite efforts to improve defense for remote acquirements using credit cards, security breaches are usually the result of poor tradition by agents. FOr example, a website that safely uses ssl to encrypt card data from a client may then email the data, unencrypted, from the webserver to the agent; or the merchant may store unencrypted details in a way that allows them to be gained over the intranet or by a rogue servant; unencrypted card details are always a shield risk. EVen encryption data may be cracked. COntrolled payment numbers also known as virtual credit cards or disposable credit cards are another option for preservative against credit card fraud where initiation of a material card is not mandatory, as in call and online buying. THese are one time use numbers that charge as a payment card and are linked to the user’s real account, but do not reveal details, and cannot be used for following unauthorised negotiations. THey can be valid for a relatively short time, and limited to the actual amount of the achievement or a limit set by the user. THeir use can be limited to one factor.