"(I still don't get how people are so freakin' paranoid about sending 
CC#'s across the net, when they'll happily, without a second thought, 
hand their credit card off to that underpaid, surly waiter, who knows 
you're going to stiff him on a tip, and let them waltz off and do 
whatever with your card for five minutes, while you're lingering over 
coffee....all he has to do is slip outside, hand off your number to a 
friend, and by the time you've gotten home they've charged $5000 to your 
account.)"

The difference is that it would probably be easier to trace the surly waiter and his 
crafty friend, who also don't advertize high and low about secure encryption. I have 
used my credit card solely for online purchases and with a travel agent I trust 
completely. Nevertheless, my credit card number -- and name -- were recently stolen 
and used to buy entrance to porno sites (a way to test the card number...) and, what's 
even more obscene, $500 worth of Windoze software. The guy masked his URL for the 
downloaded software as a site in one of those obscure Central Asian republics.

I get the impression that credit card companies are either quite lax about 
investigating such fraud, or they are simply overwhelmed by the amount.

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