>
So it behooves the individual to be vigilant.Only to have that vigilance subverted by institutional negligence!
Yes, and sometimes you are exposed when, "shakey" from the point of their ability to be secure, vendors retain information without your knowledge.
The example I always think about was a few years back when I shopped at a local store that sold small appliance parts and paid with VISA. A couple of years later I returned to buy a refrigerator part and they had my VISA number on file.
Given the ability of hackers to get into major "secure" sites, I figured it wouldn't take too much to steal information from a local parts shop. I demanded they immediately remove the number.
