TWO STEPS TO AVOID FRAUD Dear Heloise: In response to recent hints regarding credit card protection, I have my two cents to add: We have recently had our major credit card cancelled and replaced three times in three months! This is such an inconvenience. I asked the credit card company what we could do to prevent future problems related to fraud. The fraud seemed to be coming from in-person purchases. So, they suggested two things: Always tap the card on the credit card machines (instead of inserting or sliding the card in), if available.Cover your account number on the front of your card with…