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How can you tell if your paying an ETC or ETH address? Which wallets can check for you? It's scary if I have both eth and etc wallets and when I make a payment it deducts from both.

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Your ETH wallet, is also an ETC wallet. A transaction for the ETH chain can be replayed on the ETC chain, and vice-versa.

See here to protect yourself https://blog.ethereum.org/2016/07/26/onward_from_the_hard_fork/

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