I have always scratched off my PINcode. Only GM and Paypal had it. I have used paypal for years without a problem. We had our account cleaned out for thousands in a matter of hours with big ticket charges from all over the world. The first thing the investigator asked was if we purchased anything from google markets (yes) or itunes (no) over the phone. He said people have figured out a way to sell and deliver a legitimate app while stealing your credit card information (including the pin). Got it all back eventually. Ugly stuff. No more app purchases until they use paypal.
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