Safer Online Credit Card

To minimize the damage if my credit card is compromised/hacked/stolen online, I maintain an only-online credit card with a very low limit. In the unfortunate event that it's stolen, there's not a lot of damage the thief could distribute.

This works particularly well because my credit union permits me to overpay the card if I need to buy something that's over its standard limit. So if I have to buy a plane ticket to New Zealand(1), I can transfer $2000 to the card and then charge.

For my everyday life, I have another credit card that's got a higher limit. I never use it online.




(1) I wish.