From personal 6-year experience of Internet shopping AND running an on-line business, we assure you that 99.9% of horror stories about on-line credit card fraud are completely obsolete.

These rumors have been mostly born at the Stone Age of Internet era, and today are plain wrong, because security technologies have drastically improved.

And now, avoiding on-line shopping is kind of like trying to get your food by buying meat directly from a butcher, bread from a bakery, milk from a milkman and fish from a fisherman, each of whom is located in a different end of your city.

The bottom line is - you can and should shop on-line for many products, if you value your time, money and safety.

You surely understand why you can save plenty of time this way. But you may still be wondering how prices on the Internet might be cheaper than in traditional stores, and how it can be safer to buy on-line.

It's simple. First, there is A LOT of competition on-line. Merchants will simply go out of business, if they don't offer the best prices they can. Because their competitors are only ONE CLICK AWAY!

Second - most on-line stores operate ONLY as mail order businesses. It's a huge advantage for you as a client, because they don't pay expensive store rent, and often keep very little inventory. So, they can and do invest the "spare" money into offering better prices.

At the bottom of this email, you'll also learn how to get the best deal by comparing prices of mainstream products. It takes one click of your mouse button to compare prices in tens of on-line stores, and also see their "customer satisfaction history".

And now, let's talk about security, and using credit cards for shopping.

There is ONE common feature to all cases of credit card fraud. If your credit card number is visible to human beings - it's NOT safe. That's why many people, at least once, have been victims of credit card fraud. Overcharging by credit card, or a classic case of stolen credit card number in place such as a restaurant, supermarket or gas station.

The rule is simple. The more people CAN SEE your credit card number, the more chance that eventually it will be stolen. And as you may have already guessed, they mostly get stolen not by sophisticated computer hackers, but by regular thieves. Employees on drugs, etc.

The best issue about on-line shopping is that almost all normal on-line stores charge you automatically, at the very second you click on "Confirm Order" button. No one actually SEES your credit card details in this case.

In the majority of on-line stores everything is so automated, that only their credit card processor and your bank can actually view your entire credit card number. Often even store owners are unable to see the entire credit card number. Only its last 4 digits.

Also, all decent stores without exception use 128 bit SSL encryption. So at the moment your information is being transmitted over the Internet to credit card processor, it's strongly encrypted and nearly impossible to "hack". And who would bother, when there are easier, OFF-LINE methods, to steal credit card info? That's why smart on-line shopping is actually Safer than buying in regular stores.

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