Yeah, the $200/card probably reflects the fact that if a stolen card
gets used, it likely get used for several under-$500 purchases (I
believe that's the current level to increase the card provider's
interest in verification). So if a stolen card that gets used costs
$2,000 on average, that means that even if only 1 in 10 stolen cards
gets used, that $200 is correct.

I still doubt that it applies to Heartland, however -- action was
taken and I doubt that the black hats managed to use 10M cards before
they were all cut off. But who knows...!

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