My flat mate has just come home and said his HSBC card has been used in India.... sorry a naive Aussie here but how the hell can the petrol stations, the super markets and the like be allowed to get away with this cloning? Or employing people who do it. I'm still unsure how it is actually done. I'm shi tting myself as I'm getting my first pay in the UK next week and will be using a UK bank card...