A store with good customer service is to be treasured. I once ordered from a quilt shop and got the wrong order. I called and got the owner who acted like it was my fault. She asked me to send the purchase back and she'd reimburse me. It cost me $5.40 and my time and effort to return it. She sent me the right order with a $5 bill stuffed in it. IMO she should have stuffed a FQ in too. Needless to say, I won't be ordering anything else from that store.
As for using credit cards--I have a card I use only for online and telephone purchases. I have a different one I use at local stores. I figure if the online one got hacked, I's still have the other one.