[swartkrans]

Yeah that is true but I could just not expose my credit cards and not worry about catching fraud in time to avoid having to deal with problems. These days you have to read your credit card report carefully to see if you've been victimized. I didn't realize I was until I saw a $29.99 charge every month for someone else's credit report. I didn't think it was a mistake until I canceled mine and still saw that charge there months later. It's not enough to be covered by your bank, at least not for me.