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Here’s how it worked. MoneyMart customers would be issued a MasterCard credit card, and would then register their card along with their cell phone number. Aside from those two pieces of identification, SCAi had no user data or personal information – the contest and customer information was completely secure. Every time a customer used their card, they’d get a text inviting them to participate in an online scratch-and-win game. If they were a winner, cash would be placed instantly on their MasterCard.