Earlier quoted context omitted.
i find that really hard to believe in this day and age of cyber criminal and so much activity in terms of stolen identities.
Credit card fraud doesn't really affect the end user, except in time lost disputing fraudulent charged. Mostly the cost of fraud is born by the retailer who receives no money even though they have already shipped the goods. That said, in 13 years of credit card use, I have been defrauded 0 times.
its still a huge pain in the a$$ , cancelling credit cards, changing any account associated with credit card, waiting for new one in mail, etc. Just the avoiding the potential headaches, is enough reason for me not to enter my credit card in sites. I really can't believe the sentiment of the avg user is that much different from mine