You rang? :o) Actually, CC's are wonderfully safe and most of this handwringing is really excessive. The laws bias CC transactions *very*much* in favor of the customer.
What you didn't see the 60 min episode that showed how easy it was to get CC# & the like from other people while standing in line at a ATM? For every client that complains about fraudulent purchases I wonder how many don't complain & just pay the bill but in the case the fraudulent charges are caught it's the merchant the usually winds up holding the bag so to speak & that always translates into higher prices for whom? You, me & everyone else. ;-) So you see my friend either way we pay for other people's carelessness & mistakes.
Now, *debit* cards are a different matter: whereas CC charges go into a limbo state [where you have plenty of time to dispute them and get them sorted out], debits happen *immediately*. Some banks are offering "zero limit" fraud converage for their debit cards, but the fact is that at worst you'll discover that your CC# has been snarfed because you've run into your limit; with a debit card you'll discover you've been had when checks start bouncing. You can ameliorate this risk by using "overdraft protection", but, IMO, it is still more risk and more hassle than just using a CC.
One could always not write checks & only use their debit cards to pay bills which should limit the chances of things going awry. ;-)
Do like I do & don't keep any money in the bank. <lol>
BTW have a GREAT weekend this last one of April 2005.
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Wayne D. Johnson
Ashland, OH, USA 44805
<http://www.wavijo.com>
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