I had my Discover card taken over by a phone call! If the customer reps will accept the changes over the phone then I don't need Discover. It's the only card I used for online shopping, no other use. Security for online shopping is going to cost any business a lot of money. The stores that don't or can't pay for the security will continue to have all information compromised. Now I use pre paid card. Just be sure it has a security code on the back or it will be a gift card.