Half of the respondents in a 14-country survey about fraud concerns cited cards as their main worry, yet 10% of them in the U.S. said they carry their PINs with those same cards.

The findings by the December survey of 4,200 respondents was sponsored by payments processor ACI Worldwide, which said the findings highlighted both fraud fears and the need for fraud prevention education.

The survey found that 21% of the Italian respondents said they had carried their card PIN with them–a violation of a "cardinal rule" of card safety, the company said–a number that rose to 23% in India and 27% in China. Meanwhile, nearly 20% of the American respondents also said they still throw bank statements and receipts in the trash can, ACI said.

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