"Carders" can put fraudulent info on swiped cards - a "very serious threat" to smartcard security - Visa won't say what if any action they will take http://www.siliconvalleywatcher.com/mt/archives/2005/04/tricks_of_the_c.php

Credit card thieves can put phony info on stolen cards, but Visa won't say if they'll do anything about it

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