In the US, there are a lot of instances where merchants can charge you for products you never even bought. To protect yourself from credit card fraud, start by securing your credit cards. Write down any information they give you, then politely hang up. This form of identity theft is particularly dangerous as a fraudster can use account information to apply for new credit, take out fraudulent loans, and collect personal data. Will cost of living plano tx Ever Rule the World? Phishing scams come both by phone and email and may present a variety of different ploys to gain a targets trust. So you can use a credit card to get the most out of your money. 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