>Cloned valid cards are where it’s at nowadays. Cloned debit cards, credit cards, or gift cards? And if debit or credit, how could they be cloned if they have

>Cloned valid cards are where it’s at nowadays. Cloned debit cards, credit cards, or gift cards? And if debit or credit, how could they be cloned if they have a chip? I assumed chips protect cards from that and skimming.