If you are unlucky using DC for online purchases, the thief can clean all your standing account balance. But with CC, you will atleast have some insurance protection.
Yesterday i received a mail from HDFC bank to update my account details, though no one in my family has a HDFC account. I followed the link and it directed me to a chinese domain.
Sp i typed my username: India###k
password:china


SO tip no. 1 for dummies:Always check the web address.If you are going through transactions, you should see https(http secure) instead of http. otherwise you are probably digging your grave.
This is important, as the majority of online cheaters are not capable to work in secure protocols, unlike banking companies,mail servers, etc.
beside that, your online transactions are secured by 128bit encryption.Hence its quite secure.
Rule 2 for dummies: Always validate the online shopping plaza .