i agree with you ,i don,t do banking on line eiter,recently our canadian goverment revenu department was hit by the bug,they had to cancel the online tax  declaration of income  for a week and a half.so if the goverment can be hit every one can be.as far as my credit card limit.

there is not enough there to pay my family grocerie for a week.

be very careful about the fake bills ,or free stuff online ,and survey from your favorite  website . these are common tactic