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I guess you could call those games developers as well, but I like the word developer better. A rogue restaurant employee can copy your card data when youre not looking (this scam is called shoulder surfing). To reduce sales calls, put your phone number on the National Do Not Call Registry, then keep in mind that legitimate businesses adhere to the registry while scammers don't. Credit card fraud is a $24 billion business. They explain how the game works, how it works, how a game works, and they go on about how they went about making the game better. 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