there is a creditcard out there tha is like a bank card. you can only spend the amount of money the you put on it. i thisnk discover does it. if you are on a website and are ordering something look for the little masterlock on the lower righthand side of the internet explorer window. that means it is ssl secure website. 99 % of any website you are ordering from has 128 bit incription and that is extreamly extreamly hard to crack. it is like fbi and cia hard to crack. or some dude that lives in his parents basement with about 2 years of spare time hard to crack.