Wouldn't it be wonderful if you could pay for an online transaction without fear that someone would reach into your bank account or credit card and rip you off?
There is a way. However, greedy online "entrepreneurs" will not allow it to be used.
How can you pay online without risk? Use rechargeable Visa cards or Visa Gift Cards. If there's a $29.95 deal for membership at a Web site, buy a card with just a bit more money on it, and spend the balance at Wal-Mart or wherever. End of story. Unless you put more money on the card, there's no way anyone is going to use the card's number to rip you off.
Of course, it costs $3.95 or five bucks or whatever to buy such a card, but the fee's nothing when weighed against losing hundreds or thousands of dollars, and having to cancel and reopen cards and worry about identify theft.
But as implied, some greedy bastards are blocking this legitimate, legal, and safe means of doing online transactions, by refusing to accept Visa cards that aren't tied to your credit or your bank account. Why? Because they sign you up to open-ended agreements where they can "conveniently" renew your membership or whatever you bought online by taking money out of your account without asking.
Yes, it is a crime--it's an ethical crime. These companies know that a large number of people will forget about the commitment and the charges will go on for months, or years. And still others will sign up and not get it--missing the tiny print that says they are signing up until the heat death of the universe. (There is NO way that ANY online seller running this scam will EVER state in clear language that they're pulling this scam.)
It's more than a little ironic to think that we are prevented from utilizing a safe and secure means of conducting online transactions to enable these clowns to rip us off.