On the one hand, a credit card can be easily stolen, like cash. However, unlike cash, credit cards are susceptible to Internet frauds. As a result, a person ought to be really careful not to be cheated. If a credit card is stolen, its owner may not understand it at once. Meanwhile, the thieves will have enough time to take all money from the card or personal information about the owner, if they need it. On the other hand, credit card owners have a special type of insurance, so they should not be afraid if their cards are stolen. Some companies offer social reward programs to those, who have credit cards, so a person can get a 1-5% cash return from the money spent on certain product and service categories or pay with a credit card in certain stores (Ausubel, 1991).