Couple questions

Scoomer

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Hello sir,
I wonder if it is possible to(in no specific order)
1. Is atm malware card legit, still work on xp atm?
2. If i skim a card and clone it, is there any possibility to cash out in ATM(while cloning some card put specific PIN on it, or reset PIN online with phone number/[identity theft]) or personally go to bank[identity theft]?
3. Mobile application banking like #with key hacking possible?

Thank you and greet.
 
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