People are actually still afraid of the internet in 2008, and this can sometimes stop them from spending or taking a full part on the internet because they are overly worried about scams and fraud. Most people, because they are still not used to the internet, actually still think its more likely they will be scammed online than when buying from a store locally. Of course the technology can actually protect them. Credit card fraud happens but there is no doubt we wrongly assume its much more prevalent on the internet. Ofline places like restaurants where people dont take care or watch their credit cards properly is where most fraud takes place. You should limit the chances of fraud happening offline. Dont allow someone to take your card away and clone it in shops, or online, and dont let it out of your sight even just below the counter. Scams cover all types and forms, even employees can scam employers. Check out reverse cell phone lookup websites to see if someone you are suspect about is who they say, or use a background check site to see if they have a criminal record for credit card fraud.