ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

The Credit Card for SAFE Online Spending

Updated on April 12, 2024

Necessary Risks..

Credit card usage is the economic reality of modern spending. Most American adults carry four or more credit cards and collectively spend billions of dollars via credit annually. Since modern spending is virtually impossible without them, and so much is dependent on credit scores, ownership of credit cards is now a necessary risk of modern economics.

Considered Safeguards?

Most people are aware of the various frustrations and potential risks associated with credit cards. Overspending, interest fees, credit score ratings, and theft are all legitimate concerns for today's credit card holders. However, so many are unaware that most, if not all of these potential threats can be avoided with the application of simple common sense, safeguards and preventative measures.

Aim to Pay Monthly Balances...

High interest fees and low credit scores are usually the result of over-spending. Therefore the consequences of frivolous purchases should always be considered. Since interest fees are based on the amount owed to the credit card company, sound judgment must be applied when using credit cards for large sum purchases, even when considering emergency necessities. If the balance owed is paid within the grace period, (usually 25 to 30 days), zero interest is accrued. An equally, if not even more important result of paid balances is a higher credit rating, which is crucial when seeking large sum purchases and when those dreaded real emergencies do occur.

Credit Card and Identity Theft...

Fraudulent charges and theft of credit card information are major concerns for all credit card holders. Even though most, if not all fraudulent credit card charges are typically reversed by most credit card companies, the result of those experiences can still be devastating. Additionally the threat of identity theft via credit card fraud continues to escalate. However today there are numerous credit card security services that provide protection against most adverse effects of credit card theft. These services are certainly worthy of research and consideration for credit card holders.

PrePaid Credit Cards are The Wise Choice

PREPAID credit cards are the most intelligent alternatives to conventional credit cards, since absolutely no personal, private, or banking information is attached to these cards. In the event of theft, your financial loss is restricted to the actual dollar amount remaining on the prepaid card, and again, since no personal information is attached, theft of your personal information is not a threat. There are several, easily accessible, and reliable prepaid credit cards available today, and most can be purchased at numerous locations throughout the nation. Although most prepaid credit cards do carry a small up-front fee when purchased, the cost is typically well under $10. Considering the alternatives, prepaid credit cards are without doubt, the WISEST choice for all purchases made via internet and phone ordering services.


This website uses cookies

As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

Show Details
HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
LoginThis is necessary to sign in to the HubPages Service.
Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
AkismetThis is used to detect comment spam. (Privacy Policy)
HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
MavenThis supports the Maven widget and search functionality. (Privacy Policy)
Google AdSenseThis is an ad network. (Privacy Policy)
Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
Index ExchangeThis is an ad network. (Privacy Policy)
SovrnThis is an ad network. (Privacy Policy)
Facebook AdsThis is an ad network. (Privacy Policy)
Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
AppNexusThis is an ad network. (Privacy Policy)
OpenxThis is an ad network. (Privacy Policy)
Rubicon ProjectThis is an ad network. (Privacy Policy)
TripleLiftThis is an ad network. (Privacy Policy)
Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)
ClickscoThis is a data management platform studying reader behavior (Privacy Policy)