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Identity crime has emerged as a serious problem for credit card customers and banks. Fraudsters steal customer’s identity and obtain credit cards. This poses a major threat to the customers and banks. It leads to the level of deciding the economy of the country. This paper provides an approach in identifying fraudsters at the time of application submission by invoking external services by reducing manual involvement. It is proposed to develop three additional validations by using services of external databases. The credit card application undergoes validations at the time of submission before issuing the card.
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