Have U ever been cheatd by credit cards, Whats ur thought

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Hi Dear Friends, Have U ever cheated by credit cards providers, Although credit cards had become part of our life, But several happenings are happened in which only by knowing last three digit of credit card number any hacker cheated. Also the bank issuing it at the time of issue the tell no charge will be taken , But after 6 month they are charging a large amount. So what r the safety tips to use a credit card securely. Or whether we should not use it. What u think???