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It isn't the information they can view, it is the things they can do impersonating you. Any application installed on your phone can probably access the two authenticating pieces of information. Then they can impersonate you in messages to, say, your parents and say something like "Hey mom, I need to order something, can you send me your credit card?" and then your mom, under the illusion that WhatsApp is secure, will send it right over.


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