heres a suggestion if your leary of credit cards, go to your bank and get a pre-paid credit card,no one can tell the differance, it gives you a level of protection by having its limit set by the amount that you put on it, that way if your card number is hacked they can only get the money you have avaible. I use them for my online transactions and transfer funds to it as needed.

Plus you get all the protections that a credit card offers and earn interest on your money.