Credit cards ARE a risk factor...

.., especially if last year you used them at Target or Home Depot.

Home Depot so far shelled out $19.5 million and they are still counting.

More details are here.

Personally I always cringe when I see someone paying everyday smaller mounts with a credit card, be it at Starbucks, McDonald or anywhere else.

Disclaimer: I am hardly ever at McDonald and if at all I pay with cash!

Stay safe!