I use the Visa Cards all of the time - for internet purchases and travelling- for the exact reason that you specified,as that is all the money the thieves can get. I think the only reason you need to go on line is to check balances, and as each check costs a dollar here, I don't bother.You can easily keep track yourself. I've not had any problems other than trying to register as you did and getting the same response. Hope you fare better.