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And if you're worried about debt, you can always pay them off every month. And I don't mean just checking your statement once a month.

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There are also people like waitresses and waiters with handheld skimmers who steal the data that way. I'd pay to for the information from one card.

"Anyone with a computer and 0 could start making money tomorrow." After his conviction, De Felippi faced eight years in prison, but under a plea deal he agreed to community service and to pay back more than 0,000 in restitution. His help led to the arrests of five to 15 people over two years. In college, I started selling fake IDs to make a little extra money.

Today, he's a Web developer at a graphic design company in Rochester, N. He agreed to take an hour with Credit to share his story and his top tips on how to protect yourself. Dan De Felippi: When I was in middle school and high school, I was into what I would call innocent hacking. I was pretty active in online chat rooms where people would talk about this stuff, and I began to realize there was a whole world of credit card fraud where I could make a lot of money with very little effort. Credit Cards.com: You said you bought credit card data online. De Felippi: Every credit card has magnetic stripe on the back with data on it.

De Felippi was also involved in several other kinds of scams, including phishing schemes that exploited AOL and Pay Pal customers.

Committing credit card fraud is still "ridiculously easy to do," he says. Secret Service, helping to infiltrate the online underground and training agents in the latest fraud techniques.

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