> (I understand in Europe that if someone steals your bank card or credit 
> card, you actually have to pay off the charges?)

Never heard of that, it's happened to me a few times and I just phoned them 
up and told them it wasn't me.  Each time they just cancelled the amount and 
sent me a new card.  Credit card companies especially make plenty of money 
by charging people ridiculous interest rates if they don't pay off the 
balance, they can more than cover what they lose...

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