credit card fraud

[sr71000]

My mom, i've decided, is crazy. She will google a product, shop around for the cheepest price, and then buy the product off the site she finds it on, without any research as to the validity of the site. She tells me that her money will be refunded by the credit card company if her package never arives. I was under the impression that they only return the money if you did not make the purchase. If you make the purchase but get screwed...i didn't think they covered it. Also...couple of other questions. How does this affect your credit report if at all. With most companies...is there a maximum, or minimum amount they'll refund/return/whatever? Any one last question....with your name, address, and cc number, is identity theft an issue? Basically, I know that what she's doing is not a good thing, I just don't know the details to explain why....that's where I need you guys Thanks!!

[mr.jiggyfly]

Under the Fair Credit Billing Act you cannot be charged for goods you didn't receive, and your credit score will not be affected.

The less others know about you the better. Some credit cards offer temporary numbers you can generate for online use.

[sr71000]

hmm...that's good to know....how about the identity theft issue. It just seems to me like a big risk and I've always had some preconcieved notion that that would be a bad thing to do. If it turns out i'm wrong, even better, if I'm right...i wanna let my mom know so she doesn't get screwed.