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There are different ways to gain access to other peoples account, we all got the phishing emails, know about trojans and so on.
When accounts are involved in fraud or receive a fraudulent transfer they are suspended for a reason.
Like all electronic payment system ePassporte receives its share of attempted fraud. All fraud attempts are investigated and measures to prevent it in the future are taken.
ePassporte is not a credit card so you can compare the two.
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Truth Teller
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