I've never had a problem. I have a platinum card and I have 0 liability for online purchases. Usually its what, 50 or 200 bux?

I check my acct online every day and notice every charge

 

Just a warning- if you get an email supposedly from Microsoft stating that you need to download a patch to protect your computer from dangerous viruses, DON'T DO IT!!!!!! I kept getting these and they sounded kinda sketchy, so I researched it and found out that it actually is a virus! Microsoft does not send patches through email. If you get it, delete it.