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Neither stolen nor cloned, just lost two contactless Visas at the same moment. It took me may be ten to fifteen minutes to realize, then gave a phone call to the service. By this time, the two had been used to the maximum for one day that I asked to be 50€. Some people are really fast!
As to secret codes, each website warning inisists on the fact that you shouldnt use the same password for several sites. Just impossible imo.
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