As more people use the Internet to shop, identity theft becomes more ominous. By, law cardholders are responsible for just the first $50.00 of fraudulent charges made with stolen credit cards. The hassle to clear you identity can be arduous and painstaking cumbersome. By all means continue to shop on-line, just be smarter. If you are a Citi Bank, Bank of America or Discover cardholders, you can shop on-line with abandon and never give out your real credit card number. These three card companies let you use what are call "virtual credit card numbers" or single use numbers to make on-line purchases. It is so simple and safe. Bank of America cardholders who log into bankofamerica.com can click the "ShopSafe" line, and enter a spending limit and expiration date into an on-line form, BofA will issue a temporary 16 digit number that looks and works exactly like a regular credit card number, with one important difference it can only be used for a transaction up to the limit specified. If a hacker steals the number and tries to use it to make a purchases, the card company will reject the transaction. In todays world we have to be smarter then the individuals that are out looking to steal from us. I thought this information to be very useful.

LDK