You know, sometimes it feels like the old west when you go out with your credit cards to the mall and online especially. But I like shopping and paying bills online.
So what I do is buy VISA and American Express Gift Cards. These are Debit Cards that have a fixed value and that is the beauty of it. You can't lose any more than the value of the card.
So for my online pleasures I use a gift card. I pay a monthly fee of $5.95 to a Music Service and while I have never had a problem in the past, I don't want any accidents happening...