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THis is pretty common and is a pain in the butt but you are not liable for charges made by unauthorized users. It has happend to me 2X in my life. Once in the 80's someone got my amex number and charge 5K worth of stuff. I never had to pay a penny.
The other when I live in RI on my visa card....someone was charging lots of expensive networking equipment to my card. Again, new card in days and no unauthorized charges. it was pretty hassle free except for changing my auto CC numbers.
Most of these numbers are gotten from discarded reciepts (according to the CC company investigators) and since then I purchased a shredder.
Online buying is actually pretty safe, probably safer then in person use. THink about it, you had over your card to an unknown person to pay your resturant tab. THis underpaid waiter then walks away into a private place and examines your card....He/she *could* do anything with it and you would never know. (like sell the numbers to a dirt bag)
I prefer online because there are very few people that actaully can get your numbers. In many of my transactions esp with venodrs I am not familiar with, the vendor does not know them (paypal).
Lesson....don't leave CC recipets in the trashcan.
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