In case of theft of the card, you need to be extremely careful. Scammers also know ways to withdraw money from the card without a pincode. But the holders sometimes write it on the surface of the card, so as not to forget. Except as an ATM, the fraudster will not be able to use other services. If he did not take possession of the user’s phone, because the confirmation codes are sent to the phone. A fraudster can use Internet banking, since he owns a CVV code, but again, many Internet banks have long installed an identity verification service via SMS, therefore, without a phone, he will not be able to do much.