While I agree with what has been said, and I am pretty savvy about how it all works let me say this..
In
my house I have 1(one) pc, hardwired, with every possible security
feature that is used solely for financial matters' nothing else is done
on it, even has a boot password, not a windows password, a "boot"
password, you can't even boot the pc up without knowing it...even I can crack a windows password.
I
pay bills, personal and business account information, credit cards,
online trading account, etc etc..ANY transaction I do over the net is on
that pc with 2 exceptions...
1 is a Visa with a smaller credit
limit I use to reserve hotel rooms in advance, 1 is a Mastercard with a
$250 credit limit that I applied for to get 20% off a large purchase 10
years ago...I use only for online purchases due to the low credit
limit....
The Mastercard is/was my WGT card, hasn't been used
anywhere but here in 2-3 years, hasn't been used here for 1 1/2 years,
the Visa has never been used here, and even those bills are paid on the
secure pc....
In Sept. I was emailed by the card company as
someone was using the Mastercard to make online purchases originating in Canada that were
denied...I posted about it (several more attempts were made after the
post) to warn people as the typical customer service response time is at
least a day and a lot of damage can be done in 24-48 hrs....they were contacted with no reply other than automated 1st email....
On
the assumption that the breach was on my end, and most of the time they
are on the user end, I was very fortunate to get hacked by the dumbest
f'n thieves that chose to use the card with a $250 limit instead of
cards with $4k, $5k, $10k, personal and business bank account
information, kids college fund accounts, among other info, none of which
were compromised ....
OR, they got it from hacking another source with that info! Just sayin!
The card company changed the account # immediately FYI, someone obviously had the old one...the others were notified and watched the accounts for suspicious activity that never occurred ...