And many cards have zero liability policies, so you owe nothing if your card is stolen.

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For example, Bank of America offers a zero liability guarantee for their consumer debit and credit cards.

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The easy-to-use app makes payments quickly, securely and conveniently with the assurance that it's secured by bank-grade encryption, passcode protection, strong privacy protection, zero fraud liability and real-time fraud monitoring.

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In 1960 only 15% of federal income tax returns had a zero tax liability, due mostly to low taxable income, a standard deduction, the personal exemption, the dependent exemption, and the Earned Income Tax Credit (a direct subsidy to people for being poor).

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