No. of Recommendations: 1
If I use my credit card, either it's effectively unsecured or I have to enter my zip code or a PIN - neither of which is not on the card.

With a credit card, I almost never have to enter anything (except at gas stations, as another poster has pointed out). In fact, in most cases, they don't even ask for an ID (the card isn't signed). Debit cards do, with no exception I know of, require the PIN, at least.

I keep it put away in my wallet which is securely in my pocket.

That's what thieves want you to think, anyway. And, I sure hope you don't use cards in restaurants -- where the waiter will disappear for a while with your card (why the US hasn't gotten on board with restaurants having portable card readers, I don't know).

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