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The world's deserts are found at 30° latitude because
Gift
A voluntary transfer of property or funds from one person to another without consideration or expectation of return.
Unauthorized Charges
Transactions made on a payment card without the cardholder's consent or approval, often indicative of fraud.
Credit Card
A plastic card issued by a bank or financial institution allowing the cardholder to borrow funds at the point of sale to pay for goods and services based on the cardholder's promise to pay back the borrowed amount plus any agreed-upon fees.
Equal Credit Opportunity Act
A U.S. federal law ensuring that all consumers have an equal chance to obtain credit, prohibiting discrimination.
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