Our best advice to avoid being swindled is to start using a PREPAYMENT CARD in your online purchases, there are many and some are free.
AVOID SCAMS WITH THIS FREE PREPAID CARD
Buy insurance online by purchasing a prepaid card to add the money just for your purchase. In case of theft of card credentials, cybercriminals will only have the remaining balance in it. Your personal credit / debit card and your bank balance will be safe.