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Clone cards, also known as "ghost cards" or "virtual cards," are highly controversial payment options that are increasingly becoming available to consumers. In a nutshell, cloning cards are essentially blank credit cards loaded with a pre-set credit limit that can be used to make online purchases. They are a unique payment option compared to traditional plastic cards, as clone cards are anonymized, meaning that they have no identifying information associated with them and are not tied to an individual’s personal banking or payment information.