I've never had a problem in last ten years using my CC on line or using Pay pal. Now I have 3 claims in 2 w/Visa for reoccuring monthly charges that I stopped months ago. & 1 Pay Pal fraud for unauthorized monthly charge to my acct. I now am afraid to purchase anything on line using my CC. Pay Pal just denied my claim and now a few day's later another monthly unauthorized charge appeared from the same outfit. It is really a mess, Not sure what to do. I already cancelled my CC and got a new one w/ a new #, and they just transferred the fraud charges over to my new acct. What a mess. BEWARE IN THESE TIMES FRAUD IS EVERYWHERE11