[David70]

As long as the credit card user is minimally responsible for any fraud most users will take minimal safeguards to prevent the fraud.

I use my credit card whenever possible for both the points and the protections it provides, think I take reasonable precautions, and laugh when I hear people talk about how afraid they are of people stealing their credit card number. It could happen but it's far from the end of the world. I think the limits of my liability are $50? And this is if I do virtually nothing after it is stolen?

I don't use a debit card for purchases as I see the whole process and risk far worse. I will probably eventually get it sorted out but someone is taking the money directly out of my account.