None of these options are entirely full proof from hackers, malware and phishing sites. Credit cards still garner a top recommendation because of the laws protecting against fraudulent charges:
“The strongest protections are when you pay by credit card,” says Carole Reynolds, a senior lawyer at the Federal Trade Commission. Under the Truth in Lending Act, consumers’ maximum liability for unauthorized use of their credit card is only $50, and when a card is used online, it’s zero.
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