[Pox]

I've had my CC replaced recently due to the multiple large scale CC information breaches, and I've never had any real issue with scams as I was contacted by the bank the few times my account was determined to be vulnerable to suspicious transactions.

That being said, I only use a true CC for online purchases, and refuse to use my Debit card for any online transaction in order to safeguard my checking account. I also use my debit card as a CC in most circumstances in order to keep my checking account as secure as reasonably possible.

[grania]

I use cash locally and pay my credit card (only used when necessary) bill by check.

Bank of America is the bank I love to hate. They bought out MBNA, which had been an excellent bank. Then they bought out that company with a bad mortgage portfolio, which destroyed BOA

But lately they surprise me. As far as savings accounts and customer reps on the phone and record keeping, they're quite reliable.