💳 MYTH 13: "Credit card fraud is common—hackers will steal my money!" ✅ FACT CHECK: PH banks have strong fraud protection: - Text alerts for every transaction - Free card locking via apps - P0 liability for unauthorized charges (if reported ASAP) 💡 TIP: Never share your OTP or CVV! #KasKasanBuddies #MythVsFacts #CreditCardBasics