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Debit card scams are a serious concern, with phishing scams being one of the most common tactics used to steal card details and OTPs. R. Madhavan warns against using debit cards for online transactions due to the high risk of fraud. Since debit cards are directly linked to your bank account, a breach could drain your entire savings. Credit cards, on the other hand, offer better fraud protection, spending limits, and easier dispute resolution. Examples like the 2020 phishing scam in India and the
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