> After recent payment-card data breaches, including one at U.S. retailer Target, credit card companies stressed that consumers bear little risk because they ar

> After recent payment-card data breaches, including one at U.S. retailer Target, credit card companies stressed that consumers bear little risk because they are refunded rapidly for fraud losses. This is not exactly the case -- the amount needed to pay the fraud detection services will surely be passed on to the credit card users in the form of higher APRs. These days I'm wondering how to go about changing my Internet to a new, secure one, where there are no financial predators.