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However, it took a further decade for the banking industry and the technology specialists to agree on a universal magnetic strip until the credit card as we know it was born. modifications have been much slower, partly because people are worried about change, but also because switching over the 600million credit cards in circulation across the country is no small task.

In France, for example, credit card fraud fell a massive 80 per cent following its introduction. But a small group of credit card makers are determined to change the way Americans spend their cash.

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It was impossible to verify where credit card details were used.