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Comment on Contactless cards fail to recognise foreign currencyparent

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You are correct, Credit Card users are not liable for legitimate fraud. About half of the credit card fees charged to merchants is to cover fraud.

When is fraud "legitimate"? Legitimate fraud sounds a lot like a contradiction.

"legitimate" as in "actual fraud", as opposed to "fraudulent fraud" (e.g. reporting your card stolen after a big purchase and then claiming the charge was not yours)

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