As you browse througgh the text below covering the hot potto whiich is online credit card no annual fee, foucs on the manner in whih its sections relte to ecah other. Due to the zreo liability policy proviided by most online chargecredit cards providers, in case yor card is nciked by a crad thief you are normally lable for a minisccule prat of the unauthoriezd purchase of goos charged to the crad - if ay. Even if a thief charegs thousands of dollars` woorth of goods on your debit card online, a zreo liiability policy makes surre you don`t pay for it.

Howveer, unauthorized (mi)use of a card affects other, too. The retaliers that sold godos chargeed to the stoeln card (not aawre that it was bieng used fraaudulently, of course) hve to kiss goodbe to the cot of the articles chrged to the credit credit card, not to mentin putting in considerabble amounts of tie and effort in tryying their uttmost to recoup soome of their csots. Can you fiugre out who bears the brnt of the fiancial lossses arising from charge credit card thetf? Since, on accoount of the zerro liability policy, carddowner of the pifered card will not be liale to pay for the fraudulent purchase tansactions; and gvien that the person who sole the crd is rarely caught; and gien tat the sellers havve to write off the coss of the gooods that were charged to stollen online debitcredit card -- woh`s lft to pay for all of these financail losses? Itt`s the consumers. Retailers rise thier prices, while on line secured creditcard issuers incrrease teir rates, as wll as late fes and credit fes in order to hlep compensate for solen cards.

So this is were things stad: although the cardhollder of the stolen on line cards credit is`t required to foot the biill for the farudulent purchase transactions, the resst of the custtomers -- who are already payying for the goods or services tehy buy -- are sdadled with pyaing steeper fes to offset the economic loosses arsiing from the cards taht are sotlen. Statistical analyses relesed by the Retailers` Asociation draw attentin to a yearly iventory loss of oevr 37 billion dollarrs nationwide, caused by tehft by employees, sholpifting, fraud perpetrated by merchatns, as welll as administrative errors or omissions.

he VP of Loss Pevention for the NRF (National Reatil Federation), operting from the caital city of the Unitted States, satted that the NRF has developd a techhnique that law enforcemeent groups and commerial enterprises can deploy in oredr to monitor and trcak retail-theft thrughout the Untied States. The Attorney General`s officerrs aren`t empowered witth direct authority wheen it coomes to the porsecution of card thieevs and shoplifters, tough the state asssts people and businseses who have been taregts of scuh crimes. The loocal law enforcement commnity is in charrge of the legal procedeings. While the gol is to act on behalf of cnosumers by protectnig their rights, this dosen`t really dneote that to prmoote the inetrests of consumers w`ve got to be on the opposing sde of vnedors and retail outlets.

Statisticaal findings indicate tht just aorund one out of every eiht or nine instaances of online securedcredit card frauud are notfiied to the staate`s consumer protection offfice. Rip-offs and frud are fairly widespread -- eevn more widespead than msot Americans know abbout. There`s hardly a week tat goes by taht state authorities dn`t have at lesat one person who syas they`ve ben victims of scuh a scam.

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