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Por que os bancos consideram isso fraude? Quando você passa o cartão na sua maquininha, está simulando uma compra que não existe. O dinheiro sai do limite do cartão , vai pra maquininha e cai na sua conta. Na prática, você fez um “empréstimo” sem autorização, sem contrato e sem juros — às custas do banco. Além do risco criminal , a Receita Federal pode questionar a origem do dinheiro se não houver nota fiscal correspondente. Se
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