Ransomware is malware (short for malicious software) that prevents you from using your computer or phone and asks you to pay to restore your access.
It is most commonly spread through phishing attacks, but can spread the same way as any other malware.
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The best way is to set up Apple Pay or Google Pay and use your phone to tap to pay.
The next best method is to use your card itself to tap to pay. Inserting the card is equally safe.
The next best is to swipe your card.
The worst method, which should be very rare, is using a card imprint or letting them write down your card number.
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