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When your credit card company stops a thief from charging fraudulent expenses to your card, you’re thrilled.

But what happens when they mistake you for the thief?

"It's kind of like sending a postcard, put on the side of a mail truck, as opposed to sending a (sealed) letter," said Will Ackerly, co-founder of Virtru and a former NSA Internet security architect.

Fax Risk level: medium This old-school method of sending information is fairly secure -- with one big asterisk, according to Gary Miliefsky, founder of Snoop Wall, a spyware detection software company.

Then, all of a sudden, your card is declined, leaving you red-faced and frustrated. Siciliano says each payment transaction is automatically analyzed for up to 200 different data points, everything from where you live to what you normally buy to how much you’re spending, to determine the likelihood that you’re the one actually making a particular charge.

If the analysis doesn’t add up, your card will be blocked and your next purchase declined.

If sending sensitive information, consider using a document storage site such as Dropbox, or Oneshar.es, which allows you to send confidential information that self-destructs.

Please help us keep our community civil and respectful.

For your safety, do not disclose confidential or personal information such as bank account numbers or social security numbers.

The next time you're about to share your credit card number, put on a robber's raccoon mask and think about it: Where are the potential breach spots along the path your information will travel?

What are the security loopholes, and how can you close them up so your information doesn't fall into the wrong hands?

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