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They almost have to do something, many people are stupid. One recent customer at our shop sent us his credit card information by payment for an item via email, rather that the secure link on the website.
 

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It's true your card will hold you harmless, however, your credit card info can easily be used to compromise other areas of your identity. I stand by my statement-it's stupid and very risky to post your credit card data in a media as insecure as email. But, each to his own!
 
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