Even running Shopsafe.co.uk we're not immune to credit card fraud - someone in Ghana used my credit card this week to buy something for £2410. My credit card company were very good and immediately removed the transaction from my account.

I only shop online at Shopsafe approved sites, but my credit card company told me the fraudsters could have got the card number from anywhere that I've used it, a cashpoint, a petrol station, a restaurant, anywhere. I just wish I could buy everything online through Shopsafe approved secure sites!

Paying by credit card gives you extra protection, as I found, so make sure you use yours when shopping online.