i shop online::Using your checking account to pay for things is really risky for several reasons.
And that is very easy for criminals to abuse if they get a hold of it.
The best way to shop without using a traditional credit card is to use a debit card from your bank or a prepaid credit card.
So if you have a visa bank of xxx card, then you can use it anywhere visa is accepted.
These act the same as debit cards in that the money comes out right away and there is no bill.
The difference is that a prepaid card works like a phone card you put the money on it up front and you can make purchases until that money runs out.
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