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A WhatsApp message from a loan app can go from a payment reminder to something much more disturbing — threats about calling your employer, messages warning that your contacts will be reached, or warnings that your photos will be misused. If this is happening to you right now, you are not alone, and you do

You are about to enter your card details on a website you have never used before. Your first instinct is the right one: something feels risky. A virtual credit card exists exactly for this moment — it gives you a set of digital payment credentials to use instead of your main card number, so even