Use Debit Cards for online purchases
the advice we get naman is to never use a debit card. kung debit kasi, nawala na yung pera at mas mahirap siya habulin. unlike CCs.
in the US, talamak ang identity theft. and because talamak siya, mas madali siya ayusin. usually thieves would charge smaller amounts; once it exceeds $100, according to someone i know who was also once a victim, that's when it'll get investigated.
my cc was hacked before. nakakatawa pa, i don't use that cc often and they made a purchase on itunes eh wala naman akong itunes account. hassle pero hindi ganun kasaklap yung process to contest it. i just provided an affidavit of fraudulent
transaction and my bank issued me a new card. according to the person i spoke to, sometimes hackers chance upon numbers so minsan din kahit anong ingat mo, kung mamalasin ka, walang magagawa. in more extreme cases, like my aunt, when the company that handles her accounts suffered an ordeal like the recent problems with target, she ordered a freeze on her accounts.
malaking hassle talaga. lintek naman kasi ibang tao, hindi magbanat ng buto.