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QUESTION: Are the smartphone-based payment systems safe to use?

ANSWER: The holiday season means more items being purchased both online and offline and how you pay for those items isn’t as simple as it used to be.

Credit cards are still the safest way to make purchases, especially online because they provide the best protection and don’t impact your checking account balance like a debit card can if it’s compromised.

The downside to using the same credit card everywhere is that it increases the chances of it being compromised and used for fraudulent transactions, which can be a huge hassle this time of year.

Protecting Your Credit Card Number

Preventing merchants from actually knowing what your credit card number is through a tokenized purchase