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What can a cardholder do to prevent his card from getting skimmed? Not much, the experts say. If at all possible, you should watch waiters and store clerks handle your credit card. But most of the skimming takes place out of sight of the cardholder. You can also check your accounts on the Web or by phone during the month to make sure there are no surprises. The only sure protection is to pay with old-fashioned cash. But if you carry lots of that in your wallet, you still have to worry about the old-fashioned kind of robber.