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This method works in many country not only in US or UK. It's recommended to use a burner phone (not your daily)
If you are outside US, you can still change the location of your burner phone and setup a secure proxy/vpn in your phone close to the ZIP address of the card holder.
If you're using iPhone you may need to use 3uTools to change the location of your phone close the area of the card / zip.
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