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Many people do not realize how easy it is for criminals to obtain your personal information without your knowledge. In public places, for example, criminals may engage in "shoulder surfing"; where they watch you or listen in on your phone conversations from a nearby location to obtain your personal data. By watching your actions or listening in on your conversations, a criminal can easily gain access to your secret code for the ATM, your credit card number, expiration date and verification code - all the information they need to use your cards for their purchases.
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