I have done business with Apple for a long time. A few years ago, I had some charges for a computer and other items that were charged to my credit card. It was detected by my CC company who then checked with me, especially since it was being shipped elsewhere. I do not know how it happened, but Apple and my credit card company took care of everything. My only issue was having to do without my credit card until a new one arrived. Nothing is 100% safe, but this appears to be limited to buying from Apple online. My feeling is when you deal online, the odds are that you eventually have a scare. It is up to you to take reasonable precautions. Use the minimum number of cards possible. Keep track of your accounts. Keep your maximum at a number you can live with if you hit it. You may have $10,000 credit line, but you can set your limit to $3,000 for protection. If you have to go past the limit you set, it would be easy to do a money transfer to pay your account down. There are other ways to improve your safety, but these are a good start. Apple is one of the better companies at protecting your account. It is one of only a handful that I will use my regular card with. With the other companies, if I had a need to buy from them, I will get a one time card number from my CC company.