I was reading in news paper and there was an article showing that most of the technical people who knows a lot about online fraud, cyber crime or just working of internet , they mostly avoid usage of CC ie. credit card online.
They even avoid using netbanking.

They give reason that if we are smart to have securities then people who broke them are even smarter.

But in reality, using credit card in day to day life ie. offline is more risky than using online. And I too believe this fact.
I have hardly used CC offline but online, I use it frequently. Ofcourse I keep measures in mind like.. those are mentioned here : Online Secure Credit card usage

I avoid using it for online transaction.

however it is not that unsafe if we know the game

I agree present technology is such that misuse is extremely less.

still there are holes in it - if we lose - we will be heavily lossing even to the extent of becoming insolvant.

I am not against using credit card including online - but I don't do it.

[p.s.] I have worked with programmers who knows in and out of computer.

I agree credit card (even for on line payments), PayPal,etc., are more secured I don't discourage people from using it.

Though I have no hand on knowledge, having associated with software programmers, ethics hackers/code breakers, QA & testing people - I am convinced that no programme that can be said to be safe from hackers.   Any application software are to run under a platform - can we say all platforms are free from virus/code brakers/hackers, etc.,
the fact is virus is first introduced and then only protection comes in.
Still there are firewalls, middle ware developed from GNU, server separation hardware separation, multiple platforms,  multiple languages, prime number codes, and many more protections are available - for each advanced protection - delivery system will be delayed - if anything is faster -  then breaking the system will be easier.

to protect your online account (from Credit card theft, of payPal transactions) one should have physical control and to have multiple account to be linked for combined operation with physical control.  this will be safer - loss (incase of Credit Card theft - cyber crime) will be within affordable level.

 
Teenge hackers are technologically more advanced than experienced programmers/QA people.  Hackers just do it for fun.

I am looking for much more intersting input - still I will be pessimistic in usung Credit Cards for online payments - exception debit cards.

 

yes - until hackers/crackers has not found a hole

thanks.