Do you mean the confirmation window that asks you to login with your online banking credentials after after putting in your credit card details in an online sho

Do you mean the confirmation window that asks you to login with your online banking credentials after after putting in your credit card details in an online shop? The first time I saw that thing, I cringed as well and decided that I didn't really need whatever I was trying to buy at the time (I was lucky that there were no social factors invoved like in your case).