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FILE - In this Tuesday, Feb. 5, 2013, file photo FBI agents enter Raja Jewelers at 820 Newark Ave. in Jersey City. Investigating an international credit card fraud ring. The $200 million credit card scheme authorities broke up this week was notable not only for the amount of money involved, but the outlay of patience and planning it required. Defendants had to open accounts and spend years paying off balances and improving their credit scores. (AP Photo/The Jersey Journal, Reena Rose Sibayan)