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One news report details a woman charging more than 0 with no problem.
However, even those safety measures won't keep a new card secure from sophisticated thieves, says Stevenson.
"Although people think that stealing stuff out of a mailbox is an arcane way of identity theft, actual physical theft is still one of the largest categories of how IDs get stolen." And these days, it's easier than ever.
"In the card world, there's a lot of issuer discretion, so this is one of those things where there's no hard and fast rule," says Peter Ho, product manager for card services and consumer lending at Wells Fargo.
Chances are, you'll never know whether your card comes locked-down or ready to use unless you give it a try, as did Eva Graham, of Newington, Conn..
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